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Not true, Life Happens.org article has the same word count for "declined" and "denied" life insurance keywords and they're number 1 for both.
But aside from the length, that post isn't designed to rank, its a "process" supportive blog post - unless the guy's going after "declined life insurance" which is only 20 monthly searches which seems pretty low of a search to go after when you consider the time it takes to create and promote content.
If the guy wanted to rank for "declined life insurance", he would've put together a 1,500+ word article on being declined (number 2 is 1,350 words long), and pack other similar terms into the article like "denied life insurance" which has 4.5X the monthly searches that "declined life insurance" has. He would also optimize the page better throwing the terms into the headers, and ending the article with them.
Technically you got me, but did you really?
You cited lifehappens.org. They have a MOZ DA of 70 which is way up there. The MOZ DA of getquilt.com is 28. You compared the results of a site that has 998 root domain backlinks vs one that has 14 (according to MOZ). This is hardly an example you could use to prove your point. Can someone technically write sub 1k word count content and rank? Sure they can if they have a DA that is higher than 98% of websites out there. For the rest of the people who are creating a website to promote themselves or their agencies, it's not going to happen if there is any level of competition. If you think I'm wrong, I'll give you a thousand dollars if you make the top five for "denied life insurance" with an article that is less than 1k words in less than a year.
I disagree about his intent behind why he published that article. First of all, a life insurance website only has users who are people looking for new coverage at some point. Your existing life insurance customers aren't visiting your website, and they certainly aren't reading your blog.
Who would create an article that is aimed at your current client base when the article is about what happens after you are declined for life insurance? I mean, they are you clients because you got them approved. It would make no sense to do this. Even if your current life insurance clients are reading your blog (which they aren't), why the hell would they read a post about what happens after being denied.
The guy likely thought it would rank, but it will not. He'll probably get 1-5 clicks over the next 5 years for people searching anything related to being denied for life insurance.