I've heard that it's virtually impossible to get life insurance after a brain tumor. It's not cancer and it's not life threatening (while being watched/treated). But the underwriters just lump all brain tumors basically under the worst category.
Anyway, the standard question is if you have had treatment for a tumor the past 5 years. Since MH's tumor is *finally* shrinking and it's been 5+ years since he has any treatment. We tried...
Just got the denial back. Not particularly surprised.
So thankful we had our ducks in a row so young and we have had more than ample insurance. Like many things, we will survive and work through it. The insurance we do have expires in 3 more years. & we've got probably 5 more years to get kids through college. I was just concerned about that 2-year gap, but wanted to get insurance while things were actually going well.
Considering we lived without MH having an income at all for 13 years, I think we will survive. 😉
The reason we had life insurance in our early 20s? Well I think a lot of it was because we had kids in our early 20s. (Wouldn't have seen the point of life insurance when we both worked full-time and lived on only one of our incomes). But I think probably more to the point my mom was always taking care of her sick friends. So my childhood was skewed where I feel like everyone's parents were always dying. & some of them did not prepare at all and really financially struggled. Between that and crazy cheap term life insurance in our young 20s...
I cringe how much the average person puts this off. But I have the double whammy of the skewed childhood and a spouse who has been uninsureable since early 30s. I just wanted to share the news/update, but now that I type it out, this is also my PSA to go buy some freaking life insurance. (Specifically, if you have kids or people who rely on you financially).
For us personally, we can re-evaluate in another 3 years. When we hit that gap, we can try one more time. I know some with this condition have gotten insurance. I just don't know if it matters enough. We went the easy route and it didn't work. Will have to evaluate if we want to put more time/effort/energy into this. Weighing the cost/benefit, etc.