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Life insurance rates are calculated by factoring your risk factors, including age, health, and gender. If you’re already sick, your premiums are likely to be higher and your payouts lower. But you should be able to find a policy if you are under 70 years old. Term life insurance providers are all different. Some are more willing to take on higher risk customers such as people with a chronic illness. You may have to shop around to find a company that meets your needs and will write a policy

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