@jkiemen Hi Jo Ann. I just read an interesting article about how to get around that life insurance rejection. You can have another family member or relative who is healthy buy the policy. They then can put it into a 'Trust' for you that names your beneficiaries. You can make the payments to your relative or family member that purchased the policy. A good Estate lawyer can help you with that. I am leaving my daughter a stock portfplio and real estate. Both are set up in a Living Will and Trust. So, that is another way to leave something to your beneficiaries if you can afford to. If you can buy a rental property, that is a good way to go while interest rates are low.