If you are remotely in the market for life insurance don't even waste your time looking here. My wife and I went through their whole process just to hear that they wanted to raise rates and make more money off of use due to have to low of cholesterol. Which happens to be a symptom of stress, and yeah underwriting is aware shes a Med Student (AKA High Stress). Go ahead and google the risks with that, and their don't seem to be any, as well as most life insurance companies off numerous calls don't penalize against it. We now have to go through the whole process again after finding a new company. We are both 21 and in excellent health probably above most people of our age. When calling to speak with anyone regarding this they're unable to even consult a higher power, and when you say you're gonna tell they wold online they don't care about that either so here I am trying to alert potential people who may be looking at wasting time. Just DONT