re: just got the call, I was denied term life insurance

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If it's a guaranteed issue which means they don't require underwriting (everyone is accepted), don't get it unless you have serious medical conditions and you cannot find coverage elsewhere.

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There is no such thing as a guaranteed six figure term policy. Just saying. Guaranteed applies to small final expense policies or accidental death policies. Maybe an oddball group policy here and there. Also, all term life policies require underwriting, it's just a matter of how much. Fully underwritten (exam bloodwork) or Simplified (answer questions and scrip check). Simplified policies are appropriate for many, many consumers, such as this one. Healthy people would do far better with underwritten policies. The price difference is generally +25-40%.