A. Yes, life insurance companies could deny your application due to your past and/or current medical situations. Being denied for a policy will hurt you when you look for the next. That is a big red flag among insurance companies.
Because of this, it's always very important to talk to an experienced independent agent who could help preassess your situation and determine the best carrier to start your application.
Please contact us if you believe you have a not that straightforward case so we could discuss and find the best carrier for you.