Denied bc of medical records. SAHM. Advice? I don’t have anything serious

I randomly applied for Ladder life insurance. I’m a SAHM and the idea is to have something for my husband to be able to cover childcare should anything happen to me God forbid.

I was denied and they referenced my medical records.

I had been in the er quite a bit the last few years but it was never anything that wasn’t treatable so I’m looking for the best place to apply. I did have covid and it became pneumonia but I got over that. Another reason was migraines but they’re treatable and I’d be sent home. And finally I had these attacks which unfortunately took too long to diagnose but they’ve been discovered to be gallbladder attacks. They’re very common and will be treated soon. I also have a very mild case of asthma but again that’s treated.

Other than this I am healthy have excellent bloodwork and so forth.

I was surprised as these are all treatable things that shouldn’t affect my lifespan so I was wondering if there is a specific company I should apply to that has more awareness of this sort of thing and may be able to approve me.

Many thanks.

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