Term life insurance

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Zaneluke
Regular Member


Date Joined Apr 2007
Total Posts : 66
   Posted 11/12/2008 12:40 PM (GMT -6)   
I tried to get term life from Aflac just in case something bad happens to me while my children are young. I ride my bike to and from work run quite a bit. Pretty healthy.

I smoke. :) no problem Aflac says that will only be about20 extra bucks a month.

UC..................screech brakes halr, tons of questions, 3 week wait. They say no life insurance for you. Bummer.

Does anyone have any life insurance ideas? I did a search and came up short. blush
Ulcerative Pancolitis diagnosed March 2007.
Quit smoking Dec 2006.


Red_34
Elite Member


Date Joined Apr 2004
Total Posts : 23551
   Posted 11/12/2008 2:45 PM (GMT -6)   
I had life insurance about 10 years ago and I am trying to remember the company that I went thru. It was a lot more expensive since I had UC but we had to drop it because we couldn't afford it anymore. If I can remember the name then I will let you know - I'm not even sure if they are still in business to tell the truth.

I just did a search myself and if you put in high risk term life insurance in the search bar, there are alot of hits.
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Peety
Veteran Member


Date Joined Mar 2008
Total Posts : 2855
   Posted 11/12/2008 5:41 PM (GMT -6)   
See if a professional association you could belong to has something. It might even be worth joining one to get some insurance.
49 year old female attorney, diagnosed UC/pancolitis 1985, no surgery but much suffering.
Asacol/5ASA 6x400 mg maintenance for 20+ years; use prednisone & Rowasa for flares. 
August 2008 sought care of naturopathic doctor. Food sensitivity test showed gluten, other intolerances; started diet without gluten, soy, dairy, tomato etc. Replete probiotic first, then Forte pills. 
Achieved remission for the first time in many, many years!? Seemed so, but colonoscopy Oct. 6 proved not so, heavy inflammation in ascending colon & will be using Rowasa again. But I AM better.
 
 


UC Dude
Regular Member


Date Joined Aug 2005
Total Posts : 438
   Posted 11/12/2008 7:10 PM (GMT -6)   
State Farm wrote $500k for me...
 


Zaneluke
Regular Member


Date Joined Apr 2007
Total Posts : 66
   Posted 11/13/2008 6:50 AM (GMT -6)   
Thank you for teh advice. calling my state farm rep in the AM. I work with ionizing radiation too. Just need to make sure teh family is taken care of if i keel over before the kids are adults.
Ulcerative Pancolitis diagnosed March 2007.
Quit smoking Dec 2006.


glamourgirl
Regular Member


Date Joined Apr 2008
Total Posts : 460
   Posted 11/13/2008 7:45 AM (GMT -6)   
I had a Garden State Life policy where they don't ask any questions besides smoking.
Female, Age 37
 
Diagnosed w/c.diff 7/02 when pregnant w/1st and only child during 2nd trimester(wasn't on antibiotics)
C.diff flare within weeks of delivering baby 1/03
Diagnosed with UC 2/03
_____________________________________________________________
Current Meds:
75mg 6-MP
Entocort
Cortenema as needed
Ferrex Forte
Acidophillus
Sacchromyces Boulardii 


inspectorgadget
Regular Member


Date Joined Nov 2008
Total Posts : 35
   Posted 11/13/2008 10:00 AM (GMT -6)   
I'd like more input on this as well since I need to increase my life insurance. Will call my State Farm agent though.

Thanks

Peety
Veteran Member


Date Joined Mar 2008
Total Posts : 2855
   Posted 11/13/2008 12:18 PM (GMT -6)   
Try AAA? Auto club
49 year old female attorney, diagnosed UC/pancolitis 1985, no surgery but much suffering.
Asacol/5ASA 6x400 mg maintenance for 20+ years; use prednisone & Rowasa for flares. 
August 2008 sought care of naturopathic doctor. Food sensitivity test showed gluten, other intolerances; started diet without gluten, soy, dairy, tomato etc. Replete probiotic first, then Forte pills. 
Achieved remission for the first time in many, many years!? Seemed so, but colonoscopy Oct. 6 proved not so, heavy inflammation in ascending colon & will be using Rowasa again. But I AM better.
 
 


cycling_sasquatch
Regular Member


Date Joined May 2007
Total Posts : 169
   Posted 11/13/2008 12:26 PM (GMT -6)   
I have some through my employer (only $150k) and I tried to get more last year ($1mil) when I was really ill. I went through my financial advisor and he sent in applications through 5 different places. Two denied me outright and the other three came in with really high premiums. I don't have any kids (am married) so it isn't a huge priority right now. He said to try again maybe next year when I'm not on prednisone and haven't had any procedures done for over a year (like colonoscopy.)

I also ride my bike to work everyday!
UC diagnosed Dec. 2006
Azathioprine 200mg/day
Multivitamin, fish oil, fiber supplement, Nature's Way Primadophilus Optima, Digestive Advantage Crohn's & Colitis

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