Usually the insurance you are being offered by the lender (house, car, other loan) does not require you to 'qualify' i.e. no physical.
If the time comes and you need to use it, they will find all sorts of ways to get out of paying the insurance claim.
You are better off going to an independent insurance agent who will provide you with the correct insurance to meet your needs. Chances are it will be a policy that covers more than just your mortgage should something happen.
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