Try this one out for size, Frank.  Insurance companies don't insure people that are sick or may get sick.  Insurance companies prey on healthy people and certain age groups to make their profits.  It's the same as buying auto insurance.  One can go decades without an accident but the first time your car gets a ding in it the insurance companies will double your insurance and forget about all the money they've collected over the years  when there wasn't any accident.  Insurance companies are nothing but profiteers.