If a person is ill of health or has some type of health risk he may be rated or declined for life insurance.
If someone is at risk for a heart attack he would be heavily rated which means he would pay a much higher price for life insurance compared to someone of average health with no risk for heart attack.
If someone has Hepatitis, Cancer or AIDS he may be declined for life insurance, although there are some insurance companies available that will still issue guaranteed life insurance policies if the applicant can afford them.
Learn about guaranteed life insurance for high risk people