Laurie, I have had Metropolitan whole life which I cashed in when I switched to first Primerica and then NY Life term insurance. Hubby will be rich if I kick! Medical, I've been covered through work and now through hubby's work. I've never been declined for medical. I just remembered I was declined Disability insurance through work after I had my first baby. I should have signed up for it the day I started work but when you are 20 years old and invincible...