My wife's dad was uninsurable for life (heart issues, car accident issues, etc) but he managed to get $25k from various credit cards and small $5k policies. He would laugh about it, he was paying like $2/mo for each one, he knew he had a sure bet
Check wtih your work place as well - I get covered for 2 years of my salary for $10/mo and I could buy more if I wanted. If you still have a mortgage, check with the provider - you can get a policy pretty cheap that will pay mortgage if you die or become disabled.