Can I Get Life Insurance If I Had A Heart Attack? 
There are two very important people in the life insurance business . The actuary uses a massive amount of data and develops projected life expectancies for standard risks . The underwriter evaluates specific risks to determine how close that person is to standard . All of us who are involved in selling life insurance have been surprised by who the underwriter will issue a standard policy , and disappointed when an apparently healthy applicant is offered a rated policy . These decisions are based on years of experience and mountains of statistics . Some companies specialize in risks that are not standard . 