DDT, a probable carcinogen, has been linked to disorders of the reproductive and nervous systems while PCBs have been known to cause a
swathe of adverse health conditions affecting the immune, nervous and reproductive systems.
Typically, the amount of the premium that you are charged for this type of coverage will be guaranteed not to increase over time — even in light of increasing age and / or the
contracting of an adverse health condition.
In addition, the amount of the premium payment is typically guaranteed — regardless of the increasing age of the insured, and / or whether the insured contracts any type
of adverse health condition in the future.
If you have any type
of adverse health condition, like cancer, it can often be more difficult to qualify for life insurance.
This means that those who apply for coverage will be approved — even if they have some type
of adverse health condition.
Because of this, those who have certain types
of adverse health conditions may be denied for the life insurance that they need.
And, should you have contracted any type
of adverse health condition, it could be that you are also uninsurable and will not be able to continue having life insurance coverage at all.
Since you do not need to go through a medical examination, those who may have some type
of adverse health condition will typically be able to qualify for coverage.
Also, as long as you continue to pay the premium, the life insurance company can not cancel your coverage for any reason — so you know that you will have protection throughout the remainder of your lifetime, regardless of increasing age, or even of any type
of adverse health condition that you may incur.
If you decide that your elderly parents need a life insurance policy and they have any type
of adverse health condition that makes them a high risk, then a guaranteed issue policy may the most appropriate choice.