I have two life insurance policies with two different companies. These are term policies worth $450k (better keep an eye on hubby ;-)). I've mentioned CAH on the form (when filling out medications I take) and have given my endo's phone number. My premium is less than my husband's premium. Maybe the ignorance concerning CAH paid off in my case. Or maybe they just figured if it hasn't killed my by age 36, it probably won't. Who knows! As a side note, my insurance agent told me that if you don't disclose all medical information and they do not catch it for a year after the policy is activated, it doesn't matter - you are covered. Doesn't seem right to me but that is what he said. I wouldn't discourage anyone from applying.