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They may nail you later because you didn't disclose something. I know people who have been dropped from their health insurance after years of paying because they forgot to disclose a previous injury. I should add they got dropped when they had a claim. That means the insurance happily took their money until it was time to pay up.

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And this affects life insurance, so you wont be alive when they dispute your claim!

I'm pretty confident that I answered every question accurately and that no answers would have changed based on anything I could have learned from a genetic test.

Health insurers were really bad about "prior conditions" before Obamacare. I think life insurance has always been more tightly regulated.

FWIW, my policy says the insurer can only challenge the application within the first two years.

"Health insurers were really bad about "prior conditions" before Obamacare"

It's good to know that the current administration is determined to take us back to those glory days :)

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