>>So anyway, I started doing research online. When I had some info and some questions I called up one of the insurance brokers who had contacted me -- a specialist in group coverage for individuals. What he told me is that if I fill out insurance applications honestly I will be declined by about any underwriter.
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>So it's like a loan, eh? To get one you just need to prove you don't need it.

I'm sure most insurers operate on the same principle -- identify applicants who are more likely to file claims and either soak them or refuse to insure them. I suppose if you look at it in strict dollars and cents terms, in terms of profitability with no other factors, that's a rational approach. Wankers.