Once again, I am joined by Keri O'Driscoll, senior insurance consultant at Scotia Wealth Management.

She believes that many people unnecessarily pre-disqualify themselves from applying for life insurance, because they've had a major health condition, such as a heart attack or stroke.

THIS IS A MYTH. There are many circumstances where you can still qualify. There is hope!

If this is you or someone you love...please spend the next 11 minutes finding out why you should wear your Fitbit or Apple watch, and please talk to a professional advisor about it now.