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With regard to Whole Life policies, the question is not whether the insured event (in this case death) will occur, but simply when. If the policy has nonforfeiture values (or cash values) then the policy is assured to pay.

You cannot be turned away or charged more because of your health status. Health status means your medical condition or history, genetic information, evidence of insurability (including conditions arising out of acts of violence), or disability. This protection is called nondiscrimination. Employers have the right to refuse or restrict coverage for other reasons (such as part time employment), as long as these are unrelated to health status and applied consistently.