[Previous Months][Date Index][Thread Index][Join - Register][Login]
[Message Prev][Message Next][Thread Prev][Thread Next]
[IP] Re:Life Insurance for a 16 year old pumper
A question for the list.
My Husband is 55 and has been a diabetic since 15 years old. He is not on a
pump. When we bought a house 15 years ago we got life insurance for on him.
Needless to say it wasn't inexpensive. Now I am being told he is
uninsurable. So to make the story short, rather than have this happen to my
son as an adult, I decided to get a policy on him now so he could just
continue to pay it when he is an adult, but atleast he would have something.
Now I don;t know if this a part of the factor, it is a new agent, but even
though they carry a policy on his pump, they didn't seem to get it that he is
a Type 1 or why pump????. They came back again and asked if he was insulin
dependent and the policy went from $990 to $1790 a year. (This is State
Farm) Everything they are saying seems to relate that the pump is triggering
something that is taking to a "Level 10" and in atleast one conversation they
stated if he wasn't on the pump it would be less. The trigger doesn't not
seem to be type one or type 2. I keep trying to tell them they have it
backward, being on a pump doesn't mean his diabetes is more severe, but that
we striving to keep much better control. This is better from an insurance
point of view not worse. Then I was told that the amount could change, but
they had to see his medical records first. I told him it is hard to say yes
or no to something when I can't get a very good feel for a "How much."
Have any of you tried to get insurance for your children while they are in
good control and so they will have a better chance a decent rates?
Any other companies I should try? Types of policies?
Thank you for any input
for HELP or to subscribe/unsubscribe, contact: HELP@insulin-pumpers.org
send a DONATION http://www.Insulin-Pumpers.org/donate.shtml