There are many different levels between “approved” at preferred rates and completely “declined.” Depending on their perception of your health, you may be approved for one of these in-between levels. If you qualify for less than preferred or standard rates, your policy is said to be “rated,” which means that you are approved, but you will pay a higher premium (slightly higher to much higher, depending.)
If you are not approved, or not approved at desirable rates, consider insuring your child, grandchild, or business partner. Unfortunately, nieces and nephews aren’t an option.