I tried to get life insurace a couple of years ago when we took out the monsterous mortgage on our home. I was denied.

My lifes philosophy has changed quite a bit since then, with the divorce and all. Fuc% life insurance. Live debt free, eat right, excersize and stay as healthy as possible. I've excepted my addictive nature and work towards moderation instead of abstinance. I.E., if I feel the need to go overboard, I limit it to weekends and focus on the gym durring the week. It's been working so far. \:\)