mudstompers103
New member
this is not a subject that i want to post but does anyone know where my son can get life insurance coverage and yes he has CF and is 18
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Life Insurance
- Thread starter mudstompers103
- Start date
I've succesfully gotten it through an employer before but have been denied since I stopped working and just tried to apply for it on my own. I think there have been a few discussions on this in the past so if you search the forums for "life insurance" you should find some older discussion threads that may be useful!
I saw a CF life insurance once a while back. The rates where awful then but maybe they got better. Here is a link for another CF life insurance. http://forum.cysticfibrosis.com/thre...Life-Insurance
I've got it through an employer now. The paperwork says it is convertible if I ever leave the company, but I'm not sure if that will include a health questionnaire or not. I also have a $30k policy that is $25 a month (not a great rate when compared to healthy people but for me it works). I lucked into this because of my Dad's planning. It is a universal life policy that he took out on me when I was a kid (kind of like the Gerber Life Grow up plan), then when I turned 18 it converted to me without needing a health history.
I've got it through an employer now. The paperwork says it is convertible if I ever leave the company, but I'm not sure if that will include a health questionnaire or not. I also have a $30k policy that is $25 a month (not a great rate when compared to healthy people but for me it works). I lucked into this because of my Dad's planning. It is a universal life policy that he took out on me when I was a kid (kind of like the Gerber Life Grow up plan), then when I turned 18 it converted to me without needing a health history.
I never was able to. If he is employed through a large agency, then during his initial first weeks if he signs up typically there is no medical questions for $50K. Then when they offer increasing with no medical questions he can continue to increase it. I work for a school district.
Grange Insurance has a graded life policy for members (so you would have to get car insurance or something with them, but it's worth it). It's 50k graded for 3 years. If you die before the policy matures at 3 years then you just get back your premiums you've paid. After 3 years, it's 50k. I think it's about $42 per month, no medical exam, no pre-existing condition clause. This is not accidental death and dismemberment, this is a full life insurance policy. It's the only one I've found under 150 per month.
Hope this helps.
https://www.grangeinsurance.com/
Hope this helps.
https://www.grangeinsurance.com/