Alcohol abuse is a disease that is characterized by a pattern of drinking excessively despite the negative effects of alcohol on the individual's work, medical, legal and  social life. Alcohol abuse carries with it both health and lifestyle issues that increase your risk of mortality. Alcoholics run risks such as liver damage, depression and risky behavior such as drinking and driving. For these reasons, alcohol consumption can greatly affect how much you pay for term life insurance.

Melanoma is one of the most serious types of skin cancer. Melanoma is predominantly found on the skin but can occur in other location such as the eye. It begins in skin cells called melanocytes,. Melanocytes make melanin, which gives skin its color. It also protects the deeper layers of the skin from the sun's harmful ultraviolet rays.

Sleep apnea is a disorder that causes disruptions in breathing while sleeping. Typically someone with sleep apnea will stop breathing during sleep for a period of time, ranging from a few seconds to a few minutes. The person will then generally start breathing again, sometimes with a snorting sound. The disruptions often cause the sleeper to come out of a deep sleeping state into a light sleeping state, which can cause daytime drowsiness. People with the condition often are not aware until a family member or sleeping partner notify them of the problem. There are a few types of sleep apnea to watch out for.

High cholesterol levels aren't just bad for your health; they can be bad for your wallet, too. High cholesterol means that you are at a higher risk for heart disease. A higher risk applicant means higher life insurance premiums.

Hepatitis is a disease that causes inflammation of the liver. It is caused by several viruses, and can also be caused by certain medications, alcohol, toxins or other poisons, or autoimmune disease. The most well known causes of hepatitis are from the hepatitis A, B and C viruses, however there are also diseases caused by hepatitis D and E viruses. When applying for life insurance, the most common diseases that come up regarding hepatitis are hepatitis B and C, so we will focus on those two.