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Thread: Found Life Insurance Finally - but at a price!

  1. #1

    Found Life Insurance Finally - but at a price!

    So I've been looking for life insurance for years, was denied a couple times and couldn't find anything. I finally found a broker who cared enough to look beyond the standard companies and find me a policy. $190.00/month! which pisses me off as my broker said a quote for a person my age with obesity, family history of heart disease etc. basically the highest they would insure would pay 68.00/month.

    But I need peace of mind for my kids if I were to die...

    I'm going to ask my workers compensation to pay the difference as they are responsible for costs related to my injury. Worth a shot anyhow.
    Emily, C-8 sensory incomplete mom to a 8 year old and a preschooler. TEN! years post.

  2. #2
    Senior Member
    Join Date
    Dec 2004
    Alberta, Canada
    For sure they should pay the diff.

    I hope you get it covered.

  3. #3
    Senior Member Mona~on~wheels's Avatar
    Join Date
    Oct 2007
    Cleburne, Texas, USA
    Congrats Emi! and good luck.
    I've tried for a long time too but out of my ball park.
    I'm happy for you & your kids!

  4. #4
    Senior Member
    Join Date
    Mar 2006
    Good idea about workman's comp/ It is certainly worth a try.

    I only have what I had before I was hurt, which isn;t enough today. I can understand that I cannot get Long Term Care insurance with a disability, but like you said, they give policies to people who are far riskier than I am.
    T7-8 since Feb 2005

  5. #5
    Yowza, Emi! I assume that's term life insurance -- what's the coverage period and benefit value you're getting for that?

    I was lucky in that one of the benefits of my LTD policy is that they pay the premiums for the $100k life insurance policy I had from the same company for as long as I'm eligible for LTD.
    Last edited by thehipcrip; 11-11-2009 at 09:56 PM.
    It is easier to find men who will volunteer to die, than to find those who are willing to endure pain with patience.

    ~Julius Caesar

  6. #6
    thats for 500,000 Canadian coverage, 20 year term.
    Emily, C-8 sensory incomplete mom to a 8 year old and a preschooler. TEN! years post.

  7. #7
    thats a good idea about work comp paying the difference ive thought about the same thing let us know how it turns out
    to alcohol the cause of-and solution to-all of lifes problems [homer simpson]

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