I very much doubt it, too many variables come with this illness. Even something as simple as regular infusions, one of our members got infected at his IV site & became septic & died. When my husband retired over 3 years now at age 55, he had no health problems at all, on no meds, his weight was low, non-smoker all his life, non-drinker, etc. but was almost denied because his dad had died of a heart attack at age 65. His dad had always been overweight, a smoker, liked his alcohol,…. absolutely no correlation, but he almost didn’t get it. BTW we pay $91 a month for $300,000 so it definitely pays to get it when you are young.

Life insurance policies, at any larger amount & not through an emploer can be very difficult to get. Our youngest son was born with spina bifida & we could never get any kind of life insurance for him. When my husband was retiring at age 55, he had no health problems at all, & was almost denied because his father had a heart attack at age 65. Then when we thought it was a go, he was denied because his employment was as a blaster for a local steel company. By then he was already retired, so he was approved. But they went over all of his past medical records & even came to the house to take blood & urine & weigh him. It is getting harder & harder to get; also the older you get, it gets very pricy. We pay $91 a month for just $300,000, luckily he also had some good life insurance through his employer that we kept.

The best life insurance to have is the one that is in force when you need it. Remember, there is a 2 year contestable period on any new policies you may acquire. Make sure everything is on the application when you apply for insurance. A agent may leave something off of a application to get it thru and get his commission and you will not have insurance when you think you do, until the 2 year contestable period is up.

Drummer