I used to sell life insurance. "Minor" health problems would result in a slightly higher rate: higher than average blood pressure, asthma, thyroid issues, etc.

I used to sell life insurance. "Minor" health problems would result in a slightly higher rate: higher than average blood pressure, asthma, thyroid issues, etc. Serious health problems like diabetes, cancer, smoking, and so on meant much higher premiums, especially when combined. If you were a private pilot, they wouldn't even give you insurance (most of the time) unless you agreed to be covered in all cases except flying. It's called an aviation exclusion rider. https://www.sec.gov/Archives/edgar/data/791683/000079168303000003/exd6.htm https://www.sec.gov/Archives/edgar/data/791683/0000791683030...