Mohrfamily wrote: Is there any company who will approve even a low level life insurance policy given a patient's track record to SAVE their life?
I am not a lawyer, insurance broker or financial advisor.
I would strongly suggest you seek advice from ALL of these professionals.
I have, for my own situation.
My 2 cents worth :
There are a number of insurance companies which will offer "no medical" life insurance for $25,000.
If that amount is not sufficient then investigate 2 or 3 ?
There are a number of clubs and associations which may do the same : AARP, AAA, Costco/Walmart ( CARP, CAA in Canada )
Credit card companies offer "insurance protections" for outstanding balances, and usually have no qualification clauses other than you use the card to incur debt and agree to pay the fee.
Home mortgages / financing agreements, will almost always offer "mortgage insurance" which would cover the cost of paying off the mortgage.
Before I was "officially" diagnosed (2007) we took out a home equity "loan" which was life insured through the lender at that time.
We got the cash up front and if I died, the "mortgage insurance" would pay the balance owing at that time, leaving my family free of that debt with cash in hand.
DO NOT TRY THIS AT HOME KIDS
I had all three professionals working with me at that time ... AND ...
gladly I did not have to use that option .... BUTT ....
who knows where my own Journey will lead, and at least I have an alternate plan.
SEEK professional advice before trying any of this PLEASE !
I am in Canada and I have no idea if the same information is directly applicable to the United States situations others may encounter.
Harmony on the Journey