High premium quoted, need suggedtions

I’m 48 years old and looking to get Life Insurance. Connected with an agent and went through a blood test and ended up with low rating and high premium. I need help with how to progress from here.

History – Had stressful work for couple of years and was drinking monster energy drink and diet soda once a day. I think it caused me to have chest discomfort, so went to cardiologist and they noted it down as Angina in my records. – Since then did ECG, Calcium test and CT Angio (last two on my request) and all of them came clean – I did blood work as well and the doctor said that the cholesterol particle size was larger – They recommended an injection for cholesterol and I was not inclined to take it as I was already on Cholesterol daily tablet and it was working fine. – I stopped going to the cardiologist last year and since then just have a primary physician

Now when the insurance company reached out to the cardiologist, they have told the insurance company that I didnt take the cholesterol injection and haven’t shown up for follow up visits. I should have gone for a visit and told them that I will take it up with my primary physician, so it is partly my bad. The insurance company has as a result put me in the least health rating and offered me very high premium (10 year $500k for around $200 per month).

Note that my blood test result was all green on every parameter, also I have lost weight in last year and doing good on blood pressure and cholesterol but because of my cardiologist report the insurance has come back like this.

I want some opinion on how to proceed here –

Do I go back to the cardiologist and try to get additional tests done and my records updated that I dont need cholesterol injection etc and in better health now and then reapply? Should I in that case try same insurance company or different? Do I just take one for now and then a year later get my tests done again and negotiate for lower rate and longer duration with same company? Do I just try some other insurance company? In that case does it matter I applied but didnt take this insurance company’s policy? submitted by /u/Deep_Earth_524
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