<prompt> Human: I have a family history of a kidney disease. Today I got tested. Ive worked in the medical field and can read imaging tests. It was obvious that I have the disease. The tech confirmed it as well. Ill get the official diagnosis on Thursday from my physician. The disease can cause end stage renal failure and require dialysis. Around 50 of people with this disease are in kidney failure by 60. Most are symptomatic by 30-40. Im asymptomatic. The thought didnt cross my mind, but the technician told me I should buy life insurance prior to the diagnosis going through. Im in my early 20s, current graduate student, no debt, around 10,000 in savings, with no other medical issues. I know nothing about life insurance. Obviously it is unethical, but do I go running out to buy life insurance tomorrow? Is that even legal? Can someone who knows about life insurance give me some advice? ThanksEdit: Seems like Im too late in the game to get the life insurance.  <response>: I work in life insurance. Its not illegal to go out and buy life insurance tomorrow. However, withholding this information from the application is insurance fraud. And I know people dont like to sympathize with insurance companies, but the people that get hurt the most from life insurance fraud are the beneficiaries of your policy. The other people who get hurt are the honest policyholders who now have to pay higher premiums, because someone has to pay for the fraudulent claims and litigation. Like you said before, its already in the record, so you will have to make it available to the insurance company. You should still apply and if the cost is worth it to you if you arent denied, then purchase. 