For Individuals who have an adverse genetic predisposition
...Meaning your general health profile and that of your immediate family within one degree (i.e. children, siblings, and parents).
If certain illnesses such as certain cancers (e.g. breast, ovarian, prostate) or medical conditions (hypertension, high cholesterol, or diabetes) are raised, this is a cause to initiate a discussion about life insurance with your family, not only to address need, but also for the purposes of securing your "insurability," or ability to get and keep affordable insurance.