u/Plenty-Salt

I'm in my early 40s and female. I'm working with an agent and filled out an application for a reputable company known for regularly waiving and exam and offering accelerated underwriting for high amounts of coverage (higher than I'm seeking) for people under 60.

Unfortunately, I didn't qualify and the company wants to come to my house and do some type of medical exam and get detailed info about my doctors. I've never applied for life insurance and want to know if this is a red flag. Am I likely to get only really high rates or a decline?