She's 50, with diabetes, so she cannot go get a new job. 

The premium expense is based on your age and health status - the young and healthy individuals will have lower premiums compared to older individuals with health conditions (i.e - diabetes, hypertension, etc) for the same 1 million dollar policy. 

I know my parents aren’t my responsibility, but before I found Dave’s plan I made a deal with them that I would buy their house from them at a deal (because they were about to get foreclosed because my dad lost his job due to his leg getting cut off from diabetes) and in return I would let them live there rent free for as long as they needed.

I'm a Type I diabetic also. 

Take care of your health and your relationships as much as possible because if you have 10 million net worth and for example you become diabetic because of your life choice, you are basically poorer.

All had very mild symptoms, including the brother in law who is 65, overweight and a type 1 diabetic.  

I am a Nutritional Therapist so I love to work with people to help them get healthy whether they're dealing with chronic conditions like Diabetes or Autoimmune conditions or just trying to lose weight.

As a side note, I am one of the folks that is said to be more susceptible to dying from the virus as I have had diabetes for 30 years so I most certainly am aware and do not want to take chances.