Hi Beefy,
I am sorry to hear that you are unable to get life insurance, but there may be some options still available for you.
As you mentioned, accident only, or accidental death insurance may be available. Also, guaranteed acceptance life insurance may also be available to you.
Each of these types of plans provides life insurance protection, but the rates may cost more, and the coverage may be limited. So, make sure to review the quotes and plans carefully, and ask any questions you have before buying a policy. Also, they usually come with a 10-30 day money-back guarantee, just so you know.
You can learn more by reading this article that explains your options for
No Medical Question Life Insurance. Best of luck to you.