FWD heart attack insurance #1Y

I like this dedicated insurance that addresses my concern, similar to PA. I might consider a tailor-made combo of heart + cancer.

$193/Y for (min) 50k payout.

Q: is this a term insurance?
%%A: I think I can terminate any time, but when I rejoin, the premium would be higher.

Q: Pr(payout)?

— grandma said
Her side has family history, but Grandpa has no heart condition.

Stroke? no known family history whatsoever. She had no real stroke.

Better find out what she had, so I can tell my doctors.

— contact
6820 8888 Monday to Friday: 9am to 10pm, Saturday: 9am to 1pm