A. First, do not panic. Sometime simply by providing some additional medical records or getting a letter from your doctor could change the insurance underwriter's decision.
Second, make sure you work with an experienced agent who represents many different life insurance companies, an experienced agent could you find out what're the issues that led to the denial of your application, and find an alternative company who might give you a pass in those areas.
So far, we have not had any single client who was denied, we could always find the least cost solution for our clients. Please contact us if you have any concern for your health conditions and worried that might lead to denial. We will make you happy!