If you get turned down, you can always wait and try again. Some serious health issues like cancer require you to wait a certain period before taking a medical exam. With RAPIDecision Life, you can often qualify right away for a combination of traditional life insurance and accidental death coverage, which offers a payout if you die in an accident. That means you're covered until you complete a medical exam or other requirements and can feel assured that your family is protected. Once you pass the exam, the rest of your traditional life insurance coverage kicks in, with a payout for any covered cause of death. If you're denied coverage, you can still keep your original blend of insurance. That coverage will never be taken away from you, no matter what happens with the exam.