If she is diabetic and a Smoker she will be denied or highly rated..Many people with diabetes take out annuity funds to have when they are older or provide support to the family if they die. You could be the beneficiary. Since monies have not been put in a fund, it will take time to grow. As I've been told, life ins policies are kept to insure CS and SS payments. You may want to check with a lawyer in your state... I know a diabetic friend who can't get life insurance and puts monies in annuities for the family instead of of a life insurance policy. Pre existing conditions may cause increased premiums on life policies and you may have take a policy out on yourself until the SS ( if ordered) is up.. Check with your lawyer.