Would appreciate any insight from the resident Life Insurance experts. I currently have life insurance through my work, but it's not portable if I leave. So, I'm thinking of applying for a ~$500K term life policy and curious as to the medical exclusions. I'm 45, married, no kids and relatively healthy. Not overweight, decent cholesterol, normal BP, normal blood sugar, etc. No craziness like alcohol or drug use and no chronic conditions. But…I had a cardiac ablation performed two years ago to correct an atrial fibrillation, i.e. irregular heartbeat. I was told my heart muscle is perfectly healthy and well functioning, but the ablation needed to be done as a long-term solution. I've been symptom free since and was also advised the condition/surgery would have no long-term impacts on life expectancy. Would this be something that would/could cause a denial, or would i just pay higher rates? Thanks in advance.