If you are denied coverage because of your health, occupation, or other risk factors, there are some other options The first is Accidental Death & Dismemberment Insurance. AD&D Insurance is available to anyone aged 18-80. Approval is guaranteed and there’s no medical exam required. It will pay out in the case of a fatal or disabling accident no matter your occupation. It may also pay out Living Benefits in the case of disability. The second option is Guaranteed Issue Whole Life Coverage. Anyone 50-85 will be approved for up to $25k in coverage.