Shop around, not all insurance companies have the same underwriting policies. I was loaded with one company due to history of cancer in family but another company did not load at all. Make sure to declare on applications that you have been loaded on previous application otherwise its non-disclosure. Unlikely but are you sure doctor filled right patient details, my father and brother have same name, same doctor, brother applies for life cover, doctor fills form based on fathers medical history, brother refused! Only came to light when he queried it and was told it was because of his bypass surgery!!!