Waiting to long to get life insurance so now figuring out how to get it and if you get lucky enough for that then how do you afford it?

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Posted on

 I'm turning 54 tomorrow actually and twenty years ago I remember pricing life insurance knowing I need it but then talking myself right into telling myself " I'm not really old enough yet so I can wait,  I'll do it next year". So now here I am litterly terrified because I have stage IV colorectal cancer so I have no idea what future I have and not a penny worth of insurance. I've talked to what feels like hundreds of companies to look for the most coverage for the least money but once I see that awful question " Have you been diagnosed with Cancer in the past five years"? "If yes when"? 9 out of 10× they deny me completely and out of the very few that hasn't the most they offered was fifteen thousand for almost $150.00 per month and out of the fifteen thousand only five is whole life insurance and the other ten is accidental death insurance. " I HAVE CANCER, DO THEY THINK I COULD DIE BY FALLING OUT OF MY BED?" Now I'm scared, I can't burden my kids to pay for my death...I'm also feeling pretty embarrassed and ashamed that I was so unresponsible and let this happen......

                   AlyceMarie

Beginning of the discussion - 6/26/18

Waiting to long to get life insurance so now figuring out how to get it and if you get lucky enough for that then how do you afford it?


Posted on

I am sorry to hear that.  I do not have any options or knowledge off of the top of my head, but are there resources in your area or perhaps hospitals you could call? I am sorry to hear about your situation! let's hope you get healthy and can then perhaps seek out life insurance. Sometimes, being sick in America, seems like a curse.

Waiting to long to get life insurance so now figuring out how to get it and if you get lucky enough for that then how do you afford it?


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Happy late birthday! I wish I could be more of assitance; hopefully, someone else comes along with better opinions.

Waiting to long to get life insurance so now figuring out how to get it and if you get lucky enough for that then how do you afford it?


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Thank you...

AlyceMarie

Waiting to long to get life insurance so now figuring out how to get it and if you get lucky enough for that then how do you afford it?


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God, I wish I had kept up with my Life Insurance! I could have used it to borrow against. My son and I are homeless now because of a fire and can't get help from a single agency. Churches have paid for us to stay in a hotel so far, but with housing near to impossible to find in our area, no family or friends to rely on and too sick to work its very scary. I dread the day when we will be sleeping outside and digging in trash cans for food. I know that day is not far away. We already haven't eaten in two days. Our hotel doesn't provide any food. The closest food pantry is about 8 miles away and closed until Monday. If I had kept my life insurance, I'd have everything we need right now. Ah, the stupid things we do sometimes.

Waiting to long to get life insurance so now figuring out how to get it and if you get lucky enough for that then how do you afford it?


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Yes, gee if we had only known.  I do have some life insurance but not enough to borrow any money.  Most of us live in this dream world where cancer happens to other people, not to us.  I certainly should have known better being a nurse for decades but we also are in denial.  I certainly would have stocked up on more.  Try not to beat yourself up.  We did not know or we would have planned better.  Just like I know I am not the only one who wishes I had gone to my doc earlier about my symptoms.  Guilt, regret and remorse change nothing.  They only cultivate negative energy which is bad for us in every way.  Be kind to yourself and let it go.  Insurance that does not ask health questions or require an exam are advertised on TV but I suspect they are all pricey with limited benefits the first few years.  Wish I could help.

Waiting to long to get life insurance so now figuring out how to get it and if you get lucky enough for that then how do you afford it?


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Yes I found the "no questions asked" insurance....the most coverage is 25,000 but you can add additional poicies. It runs about 100.00 per month avg. But the main catch they all have is that you must live at least two years from date of policy or they won't pay!!! I couldn't stop laughing.

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