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**Related Resources:** High-Risk Life Insurance (see real-world examples: obesity, post heart attack, after cancer) | Table Ratings Explained | Term Life Insurance | Get a Free Instant Quote
Authoritative Resources: Life insurance products are regulated by the NAIC (National Association of Insurance Commissioners). Insurers use health history data maintained by the MIB Group during underwriting — consumers can request one free annual MIB report at mib.com.