If your health remains poor then smart decision would be life insurance renewal. Renewing life insurance policy after ten years is beneficial but riskier for insurer.
1 ) Set seal on family financial security :- If you outlive and policy expires then your planning goes to vain. To clinch continuous financial security, you need to renew it.
2 ) Life insurance policy results in tax benefits :- If you buy life insurance policy then government exempts you from tax.