tag:blogger.com,1999:blog-9147208685448049005.post4401011049155247913..comments2023-10-30T06:15:10.201-05:00Comments on Married to the Empire: Life Insurance for the UninsurableAnne Marie@Married to the Empirehttp://www.blogger.com/profile/16600919522369171555noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-9147208685448049005.post-48728534337306264072009-11-20T08:20:03.705-06:002009-11-20T08:20:03.705-06:00I am linking this sometime this week- insurance is...I am linking this sometime this week- insurance is a HUGE issues and I think many people seem awfully blase about it. Under the current system, we are basically uninsurable without a group plan because of some health issues we have and/or had in the past. I worry more about losing our insurance than losing our income. Thanks for dealing with this topic!Catherine at Frugal Homemaker Plushttps://www.blogger.com/profile/00014697591588112092noreply@blogger.comtag:blogger.com,1999:blog-9147208685448049005.post-21054985764263470582009-11-19T13:05:07.605-06:002009-11-19T13:05:07.605-06:00Anon, believe me, I'll read the policy over ca...Anon, believe me, I'll read the policy over carefully. I'm fully aware that this doesn't cover a pre-existing condition. My husband's kidney disease prevents him from getting a normal insurance policy, hence our seeking out alternatives. Believe me, I would love nothing more than to be able to pay for a regular term life policy or even a whole life policy for him, but no one will give him one. <br /><br />If his kidney function decreases so much that he's nearing death, we'll be reevaluating our lives completely, such as my going back to work. Right now, his kidneys really aren't an issue. His chances of dying these days are from car accidents or other things of that nature.Anne Marie@Married to the Empirehttps://www.blogger.com/profile/16600919522369171555noreply@blogger.comtag:blogger.com,1999:blog-9147208685448049005.post-81916306342760815902009-11-19T12:25:00.306-06:002009-11-19T12:25:00.306-06:00I think it was a wise idea for you to get this. My...I think it was a wise idea for you to get this. My husband commutes daily as well and I always fear something may happen to him on his commute. At least you can check things out for free for 30 days and if it doesn't seem worth it to you (but I think it will), you can always cancel. :)Cassiehttp://www.mrsjanuary.comnoreply@blogger.comtag:blogger.com,1999:blog-9147208685448049005.post-49987760253698616832009-11-19T10:16:59.941-06:002009-11-19T10:16:59.941-06:00ask for the policy contract, and read the fine pri...ask for the policy contract, and read the fine print very very closely. YOu already stated that what they were selling was 'accidental life insurance' - that won't cover you if he dies from a pre-existing condition. And sometimes (depending on which company is actually underwriting the policy) 'accidental' can be very specific and/or exclusionary. (if he gets hit by a bus on any day except Feb.29, it won't cover him. If he dies in a car crash, plane crash, etc. etc. he isn't covered.) Get the policy, take your 30 day free look, and really read the details. I'll bet you 50:1, you won't want the policy.Anonymousnoreply@blogger.com