Q. MY HUSBAND has had problems with his heart since he was a young man. He never got any life insurance because he was afraid that he’d be rejected or given such a high premium that it would not be worthwhile. Last week, his doctor told him he’d probably need heart surgery in the near future. I’m not quite self-supporting, but we do have savings of about $150,000 in CDs and United States I Bonds. It would make things a lot easier for me today and tomorrow if he had some substantial life insurance. Is there some way we can find a company that will insure him?