Tracey Inman

>>You are SO RIGHT. Unfortunately, no insurance company will give me life
insurance. I had ALL (acute lymphocytic leuk) when I was in my TWENTIES (I
am
almost in my 40's now) and they still will not write me a policy! I am so
totally in remission. As a matter of fact, people I know who were never sick
are
way more at risk for dropping dead soon than I am being that I care for my
body
with such great thought! GRRR. It is such a disappointment :-(<<



Just so happens insurance is what I do for a living and I am here to bring
you good news! In spite of your health, you can have life insurance. There
are some companies that will write you a "guarantee issue" life policy.
That means regardless of your health you will get issued. There is
generally a 3 year window where if you die from health issues your
beneficiary will only receive your premiums back plus some interest. But,
if you die from an accident then the full face amount will be given. It is
a little harder to find when you are under 40 yo because you need to be
careful what company you use and that the AM Best rating is at least an 'A'
However once you turn 46 I know of a couple great companies you could look
into.



Another way to guarantee you have life insurance is if you or your spouse is
working where they offer benefits. Work term life is cheap, cheap, cheap.
Max out on it! Don't let it be all you have, especially if you are healthy
because with work policies you won't own them and you loose them when you
leave. You always need to have something you own and I recommend that part
of what you do is a Whole Life policy paid up at 65. When you are our age,
you generally need to couple that with a larger Term policy to meet the
needs at the time.



My dh and I have my sister and her dh as guardians should something happen
to both of us. We have made provisions through life insurance to make sure
my sister would have plenty to raise them and there is enough to be set
aside for both of our girls to begin there lives. We have also made it
clear that my sister is to sell her home ( and ours) and build or find a
home with land that would accommodate our animals in their area. That is
very important to our girls. My sister actually brought this up to me (just
so you don't think I am being overboard with my demands). Unfortunately she
does not understand nor choose to understand unschooling, but I know my
girls love her and her dh and emotionally they would take very good care of
them.



Wow, I didn't mean to get so wordy. As you can tell this is something I am
VERY passionate about. If anyone has specific questions and would like to
e-mail me off list, please feel free.



Peace,

Tracey - SC - Mom to Rachael (14) & Madison (11)





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