<prompt> Human: I have two kids, wife, mortgage, student loans. I make a good living, but because of my history of opiate abuse I simply cant get term life insurance or any life insurance. Ive been denied multiple times by all the top companies. I was on Suboxone for 10 years, but have been off for almost 2 years, and a script check will show I am 100 clean. I passed all health exams, blood tests, drug-alcohol screenings etc. Should I just give up at this point? I am now a model member of society. I am in good health, and make a good living. Never had a felony or arrest. Unfortunately I have a checked box that will hurt me forever from getting term life insurance. I totally understand why they would deny me. Im in a high risk category, its a business. Do I have ANY options? Any advice would be awesome!  <response>: What you need to do is contact a good independant agent and have them shop around for you. What you do is fill out HIPAA forms, they get all the information and package it nicely to send to 100 different companies to see who will make you a good offer. You dont want to directly apply for these companies. You shop around informally 