Just a note here in case you’re confused: we’re using the term Life Insurance and Mortgage Protection interchangeably. Mortgage Protection is a type of Life Insurance. The big difference is that if you’re trying to get Life Insurance and you’re postponed, it’s not the end of the world if there is a 6-month delay.However, if you’re getting a mortgage, without mortgage protection,  you may lose the house! That’s why mortgage protection requires much more urgency than life insurance. This means it’ll also change how you react to the postponement.The first thing you should do is find out why you were postponed for Life Insurance. Ask the Chief Medical Officer (CMO) of the insurance company that postponed you to write to your GP with their reasons why letter.Once the GP receives the letter, have a chat with them to see how they feel. Usually, you can tell by their reaction whether it’s worth appealing.Your options if postponed:1. You can accept the postponementIn the case of Mortgage Protection, you’re going to lose the house unless your bank allows you to sign a waiver. See below.(BTW, If you have any medical issues, apply for Mortgage Protection BEFORE handing over a non-refundable deposit.)2. You can apply to a different insurerEach insurer handles each case differently. This is especially true if you’ve been postponed because of a medical thing. Every insurance company has an underwriting department that do the maths and consider the risk on each application.Some of the insurers treat specific illnesses or medical issues much more sympathetically than others. What I’m saying is that just because one says no, another may not.Just be prepared to pay a little more for the luxury of the insurance.Basically, it’s a bit like Tinder for insurance. The more insurers you apply to, the more likely you are to get a match. Tindred spirits.3. Go to a good broker for helpSwiping right on all those insurers and their different policies can get time-consuming fast, so consider working with a broker who works with all the insurance companies. If you have a medical issue, be sure to work with a broker who has ample experience in that field. And make sure they deal with all the insurers. Also, make sure you know the ins and outs of your medical condition, even better if you can share medical reports. The more information you have for your broker, the better set you’ll be.They’ll use their nous to present your case to the most sympathetic insurer to increase your chances of nabbing mortgage protection and buying your dream home.4. If all else fails, beg and plead for a waiver…