Life Insurance on cf children

Ratatosk

Administrator
Staff member
It's something we need to pursue also. We tried to get DS on our insurance after he was born and he was denied, DH has since contacted a couple of other places. I know of some people on other sites who were able to get insurance 15-20 years ago for their children -- their insurance agent looked high and low and found them some, which I imagine is what we're going to have to do, too.
 

Ratatosk

Administrator
Staff member
It's something we need to pursue also. We tried to get DS on our insurance after he was born and he was denied, DH has since contacted a couple of other places. I know of some people on other sites who were able to get insurance 15-20 years ago for their children -- their insurance agent looked high and low and found them some, which I imagine is what we're going to have to do, too.
 

Ratatosk

Administrator
Staff member
It's something we need to pursue also. We tried to get DS on our insurance after he was born and he was denied, DH has since contacted a couple of other places. I know of some people on other sites who were able to get insurance 15-20 years ago for their children -- their insurance agent looked high and low and found them some, which I imagine is what we're going to have to do, too.
 

Ratatosk

Administrator
Staff member
It's something we need to pursue also. We tried to get DS on our insurance after he was born and he was denied, DH has since contacted a couple of other places. I know of some people on other sites who were able to get insurance 15-20 years ago for their children -- their insurance agent looked high and low and found them some, which I imagine is what we're going to have to do, too.
 

Ratatosk

Administrator
Staff member
It's something we need to pursue also. We tried to get DS on our insurance after he was born and he was denied, DH has since contacted a couple of other places. I know of some people on other sites who were able to get insurance 15-20 years ago for their children -- their insurance agent looked high and low and found them some, which I imagine is what we're going to have to do, too.
 

AUradar

New member
My parents got all the grandkids life insurances when they were born. But they would typically "drag" around and wouldn't get it till a couple of months after birth. By that time, my little girl was diagnosed and she couldn't get covered.

I have a policy on her from work, but its really small.

I'm a cancer survior and have the same problem getting life insurance on my own. I was in hte army at the time and my mom made me sign up for the veterans group life insurance policy when I got out. I was 21 and single, why did I need a 200K policy? Good thing I did that.

I've suggested to new parents who were thinking thier child had CF and wanted to get tested to first get a life insurance policy. I've been critized because thats not doing the best for hte health of hte kids. I don't buy that. These were parents who were more concern due to history than the child actually showing signs of CF. Waiting a week for a test would not affect their health.

I think people take for granted the ability of getting life insurance and then find out they can't get it. It should be a priorty because when you're like me and can't get it, it really effects the way you plan for your family.
 

AUradar

New member
My parents got all the grandkids life insurances when they were born. But they would typically "drag" around and wouldn't get it till a couple of months after birth. By that time, my little girl was diagnosed and she couldn't get covered.

I have a policy on her from work, but its really small.

I'm a cancer survior and have the same problem getting life insurance on my own. I was in hte army at the time and my mom made me sign up for the veterans group life insurance policy when I got out. I was 21 and single, why did I need a 200K policy? Good thing I did that.

I've suggested to new parents who were thinking thier child had CF and wanted to get tested to first get a life insurance policy. I've been critized because thats not doing the best for hte health of hte kids. I don't buy that. These were parents who were more concern due to history than the child actually showing signs of CF. Waiting a week for a test would not affect their health.

I think people take for granted the ability of getting life insurance and then find out they can't get it. It should be a priorty because when you're like me and can't get it, it really effects the way you plan for your family.
 

AUradar

New member
My parents got all the grandkids life insurances when they were born. But they would typically "drag" around and wouldn't get it till a couple of months after birth. By that time, my little girl was diagnosed and she couldn't get covered.

I have a policy on her from work, but its really small.

I'm a cancer survior and have the same problem getting life insurance on my own. I was in hte army at the time and my mom made me sign up for the veterans group life insurance policy when I got out. I was 21 and single, why did I need a 200K policy? Good thing I did that.

I've suggested to new parents who were thinking thier child had CF and wanted to get tested to first get a life insurance policy. I've been critized because thats not doing the best for hte health of hte kids. I don't buy that. These were parents who were more concern due to history than the child actually showing signs of CF. Waiting a week for a test would not affect their health.

I think people take for granted the ability of getting life insurance and then find out they can't get it. It should be a priorty because when you're like me and can't get it, it really effects the way you plan for your family.
 

AUradar

New member
My parents got all the grandkids life insurances when they were born. But they would typically "drag" around and wouldn't get it till a couple of months after birth. By that time, my little girl was diagnosed and she couldn't get covered.

I have a policy on her from work, but its really small.

I'm a cancer survior and have the same problem getting life insurance on my own. I was in hte army at the time and my mom made me sign up for the veterans group life insurance policy when I got out. I was 21 and single, why did I need a 200K policy? Good thing I did that.

I've suggested to new parents who were thinking thier child had CF and wanted to get tested to first get a life insurance policy. I've been critized because thats not doing the best for hte health of hte kids. I don't buy that. These were parents who were more concern due to history than the child actually showing signs of CF. Waiting a week for a test would not affect their health.

I think people take for granted the ability of getting life insurance and then find out they can't get it. It should be a priorty because when you're like me and can't get it, it really effects the way you plan for your family.
 

AUradar

New member
My parents got all the grandkids life insurances when they were born. But they would typically "drag" around and wouldn't get it till a couple of months after birth. By that time, my little girl was diagnosed and she couldn't get covered.

I have a policy on her from work, but its really small.

I'm a cancer survior and have the same problem getting life insurance on my own. I was in hte army at the time and my mom made me sign up for the veterans group life insurance policy when I got out. I was 21 and single, why did I need a 200K policy? Good thing I did that.

I've suggested to new parents who were thinking thier child had CF and wanted to get tested to first get a life insurance policy. I've been critized because thats not doing the best for hte health of hte kids. I don't buy that. These were parents who were more concern due to history than the child actually showing signs of CF. Waiting a week for a test would not affect their health.

I think people take for granted the ability of getting life insurance and then find out they can't get it. It should be a priorty because when you're like me and can't get it, it really effects the way you plan for your family.
 

dbtoo

New member
Join an organization like AAA or AARP (if you are old enough). They frequently offer term life without medical checks. If you are looking for whole life policy (pays a dividend), that may be harder to find.
 

dbtoo

New member
Join an organization like AAA or AARP (if you are old enough). They frequently offer term life without medical checks. If you are looking for whole life policy (pays a dividend), that may be harder to find.
 

dbtoo

New member
Join an organization like AAA or AARP (if you are old enough). They frequently offer term life without medical checks. If you are looking for whole life policy (pays a dividend), that may be harder to find.
 

dbtoo

New member
Join an organization like AAA or AARP (if you are old enough). They frequently offer term life without medical checks. If you are looking for whole life policy (pays a dividend), that may be harder to find.
 

dbtoo

New member
Join an organization like AAA or AARP (if you are old enough). They frequently offer term life without medical checks. If you are looking for whole life policy (pays a dividend), that may be harder to find.
 

mom4holly

New member
I was fortunate enough to have all of Holly's life insurance set up pre DX so I am assuming that they can't get rid of me as long as I pay my bill. My employer also offers life insurance for anyone no matter pre existing condition with the stipulation that i had to start the policy when my employment started & i cant make any changes during my employment for this child or dependant that has the condition.
 

mom4holly

New member
I was fortunate enough to have all of Holly's life insurance set up pre DX so I am assuming that they can't get rid of me as long as I pay my bill. My employer also offers life insurance for anyone no matter pre existing condition with the stipulation that i had to start the policy when my employment started & i cant make any changes during my employment for this child or dependant that has the condition.
 

mom4holly

New member
I was fortunate enough to have all of Holly's life insurance set up pre DX so I am assuming that they can't get rid of me as long as I pay my bill. My employer also offers life insurance for anyone no matter pre existing condition with the stipulation that i had to start the policy when my employment started & i cant make any changes during my employment for this child or dependant that has the condition.
 

mom4holly

New member
I was fortunate enough to have all of Holly's life insurance set up pre DX so I am assuming that they can't get rid of me as long as I pay my bill. My employer also offers life insurance for anyone no matter pre existing condition with the stipulation that i had to start the policy when my employment started & i cant make any changes during my employment for this child or dependant that has the condition.
 

mom4holly

New member
I was fortunate enough to have all of Holly's life insurance set up pre DX so I am assuming that they can't get rid of me as long as I pay my bill. My employer also offers life insurance for anyone no matter pre existing condition with the stipulation that i had to start the policy when my employment started & i cant make any changes during my employment for this child or dependant that has the condition.
 
Top