A lot of people don’t apply for life insurance coverage because they think they won’t qualify. But the truth is, they’re making a mistake. 如果你需要人寿保险，你应该申请. It’s true that people in poor health will pay more for coverage, but that’s a better plan than leaving your family’s financial future to chance. Even if you’ve had a very serious condition such as cancer, many companies will provide you with coverage as long as you can show that you’ve been cancer-free for a certain period of time (e.g., 2 years) and that the cancer isn’t likely to recur in the near future.