Genetic Testing &amp; Life Insurance I've been working toward getting a life insurance policy as I wanted to receive a genetic test for Huntington's Disease.

I'm 26, healthy, and show no signs of the disease. Usually the onset begins around 30-40 years old and death follows 15-20 years after that. Of course this is not a guarantee and there are plenty of examples of people living outside of these constraints.

I've had people recommend whole life insurance as the premium will never change, however I'm getting quotes back with a $10,000 yearly premium. This works out to about $870 / month for $1m in coverage.

Optionally I could get a $750,000 coverage on a 20 year term ($50/month) that I can convert into a whole life insurance policy at any point before the 20 year term is up. The trouble I have with that option is HOW i'm going to pay $700-900/month for that insurance when i'm 45 and possibly partially disabled.

Any advice?