Penalised for Gaucher & Parkinson’s

I have no life insurance, being refused on the grounds of having Gaucher and Parkinson’s, so find I’m in the strange situation of being worth more alive than dead! What a comforting thought to know that insurance companies have such a dismal prediction for my future, and consider me too high a risk. A bizarrely reassuring thought, that they are the only ones who have been so brutally honest as to acknowledge my grim prognosis.  How many other diseases are also put in this category where no company is willing to issue a life insurance policy? Understandably in my family, we do not have a good track record, (three of us with Gaucher and Parkinson’s – my father and brother already having passed away) but is this enough to give insurance companies the right to refuse me a policy? Normally insurance companies are only too ready and eager to take money each month from anyone willing to sign on the dotted line, but clearly they have drawn the line somewhere else in my case, for I have been categorically refused. Not having a life insurance policy can cause problems when requesting a mortgage, and as soon as this topic arises, the banks decline any prospect of authorising a mortgage. If one were able to work out the statistics and projected forecast, I'm sure it is far more likely to die in a car accident than from Gaucher and Parkinson’s!