The rules for life insurance are sfficielty differently for the word to differ.
assurance.
When you take out the insurance, you have to telll the absolute truth and this is called uberrima fidei - latin for utmost faith
and thenit goes on line and you pay your premium and everyone is happy.
[ and then in my case I told them seven years later I had contracted cancer and they said - fir cop we will pay out...]
If I had the tumour and knew it when I took out the insurance they wouldnt not have paid out. Ithink you can see why.
Health insurance where the premium vvaries, then it may go up
If you have or have had cancer and there are a few of us around
then it is vital not to give up any insurance policies for what ever reason
that is to stay insured as one is then in the category of uninsurable which means that you can't get any more ( as a general rule)
so you should hang onto the ones you have.