If you are totally uninsurable, it's a bargain. If you are uninsurable, maybe it is time to make a very large loan and ask for the credit life. Once you get it, just put that money into a money market account. When it's time for you to exit, the loan will be paid off by the insurance and your family will have the money in the account. Let's get back to the matter at hand.
Mortgages are a good one to look at for credit life and disability.
They are usually loaded up with this coverage. The lending institutions can make a lot on this loan. Check any and all loans that you have. You can save yourself a bundle. Maybe you can use that liberated money on something truly worthwhile, like a gift of appreciation for yours truly.