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  1. R

    20 yr Term Life Insurance for high cholesterol and a bad family medical history?

    @kitty_cork No problem, happy to help! I would say that it’s rare to choose simplified if like you said you’re otherwise in relatively good health. If you’re hiding something else behind high cholesterol and you lie about it on an application it’s likely to be found out anyway, and telling a...
  2. R

    20 yr Term Life Insurance for high cholesterol and a bad family medical history?

    @kitty_cork Agent with New York Life here hoping to answer your questions! First off, it’s true that insurers do have access to much of your medical data and it’s especially important for underwriting when thinking about adverse selection. If an insurance agency does not take a blood test or...
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