When an underwriter looks at your insurance proposal, they will look into several factos:
1) your health problem..
my experience tells me that by the time you reach 45, or now may even earilier some health symptoms may apprear and will hinder your insurance application.
For example, commom health problems such as hypertension.diabetes and high cholesterol levels may cause the insurer to request a higher premium.
For some one who may think he is healthy now, he may not know what will happen to him if he wait for another year..
2) your age
As we grow older, insurance premium will maturally become very expensive. Based on the calculation, a premium will cost $3,000 at age 47 now, if wait until age 50, it will be 45% higher. This is why it is inportant to increase your coverage when you are younger.
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