Kudos to you, Jackie! You are one of the wise ones.
My own agent (sold me health insurance, not my life policies or the LTC policy I bought a couple of months ago) is forever uninsurable due to a heart condition he developed in his early 30's. BTW, he was running marathons when this condition came up so being unfit was not a factor. He beat the odds and is alive but no one will touch him.
Luckily, he married a gal with great health ins. thru her employer so he was added on to that group policy.
Update: Some of you may remember that my brother's life premiums were high due to his increased weight. He has since made a decision to work out and I'm happy to say he's dropped 30 lbs and still going!
