I have been denied too for life insurance due to my mental health diagnosis and history. Most have denied but there are a couple that will insure; however, the premiums are so very high, that it worked out about the same cost in premiums as what the pay out would be in a very short period of time (unless I died the day after I got the policy) and not really a benefit otherwise. So I decided it was best just to set that same amount of money aside in savings so funeral expenses and any other "estate" expenses could be covered and not be a burden to my loved ones.