Life insurance may prove difficult to get if you contract H1N1

President Obama wants to ensure that health insurance companies cannot deny you coverage if you have a pre-existing condition. He may have another challenge ahead: life insurance.

President Obama wants to ensure health insurance companies cannot deny you coverage if you have a pre-existing condition. This has key component of the President's health care reform package going through the U.S. Congress.  He may have another challenge lying ahead - life insurance.  Already some insurance carriers in Canada, because of the pandemic H1N1 Virus, are asking on application forms if they have contracted it. In a Sun Media / Peterborough Examiner news article, this could lead to future profiling of consumers health and may eliminate the ability to get life insurance for some.

This may also force strict guidelines on health information privacy that a health insurance provider has in its database and ensuring that life insurance companies do not have access to it. It is legal to ask about a consumers current health and personal lifestyle habits such as smoking, but it does not bar you from getting coverage, only that it may have affect on what your monthly or yearly premiums will cost.

The debate this opens up is more than a few simple questions and no easy answers.

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