I had to give a dear friend/customer bad news today, he was declined for life insurance... Last year I had to provide this same news to six customers.. It is so important to apply when your young and healthy, most policy are renewable and convertible. Most life insurance plans are limited at work (pay for accidental death only) and when you retire, leave, get laid off the coverage stops.. many companies are looking for ways to cut costs right now and benefits are the first to go.. please be aware of what you have and don't procrastinate..