Cecil is right on life insurance...after 2 years, it doesn't matter how it happens. But if the insurance co. can prove that you lied from the get go, then they can still avoid payment. Mine was $20 extra per month with admitting that I drive race cars. Better to be safe than sorry. As for health ins....NEVER rely on the tracks deal. Purchasing add'l ins. through STIDA or another carrier is always a good idea IMO.