You are aware, aren’t you, that some people CAN’T get life insurance or it’s too expensive because of pre-existing conditions? I certainly don’t know if that’s the case here, but I recently tried to get a higher level of life insurance and was rejected.
Everyone can get it, just a matter of cost. You are correct some people have conditions that make them expensive to insure, however given they quote the woman on this, but nothing else I doubt that was her husbands issue.