Life insurance?

[musclemania70]

Is it possible for a cf patient to obtain life insurance by buying it from a company (vs through an employer)?

 

[Beccamom]

I looked into this recently and some term policies have no health questions, but they are costly. If you own a home and pay a mortgage you may be able to get insurance that pays the mortgage in case of your death. I figure this is one less big bill for my family.

 

[Ratatosk]

We've looked into this over the years for ds; however, haven't had much luck. I was told of a policy parents can get for their kids provided they themselves have coverage, but really haven't looked into it.

 

[kathiel510]

Life Insurance?
Liberty National provides life insurance for CFers. It is an ALX policy and the first three years are reduced...in the first 3 years if one dies of something not CF ie. car wreck..it pays full policy, if one passes of CF related in first 3 years it pays back what you have paid in...After 3 years it pays full.

Best of Luck
Kathie

 

[jshet]

I am friends with my insurance agent. He told me if it is not discovered that he has cf withen the first year of paying on the policy, i had nothing to worry about. I am not sure this could be as easy for an adult though. We took out a very small policy on both our children when they were born. My son was disgnoised 3 years ago when he was 13, and i decided to take out an additional policy since rates go up the older you get, and cf will make rhem even higher.

we did not disclose his cf, didn't need a physical, and waited out the first year. It may seem a little sneaky, but i did what i had to do.
all my agent did say was that as long as he didn't pass away withen that first year, the company would honor the policy.
good luck

 

[musclemania70]

I love this site! thanks a lot people! you ROCK!