Posted by MarkB_MI on June 23, 2009 at 19:43:59 from (216.234.99.8):
In Reply to: Life insurance ???s posted by gun guru on June 22, 2009 at 17:07:51:
Unless your family depends on your wife's income, there's really no need for her to have life insurance. And she can still get Accidental Death and Dismemberment insurance, which is quite cheap.
Rather than worrying about life insurance, you should be focused on helping your wife make the lifestyle changes that she must to get her blood sugar under control. Guess what that means? It means everyone in the family, including you, will have to eat better and exercise more. She can't do it by herself.
If your wife can't get her diabetes under control, she could be in for very expensive medical care. Life insurance won't help with that, and you could be looking at annual expenses in the tens of thousands of dollars.
You may think that it will be harder for her to get insurance the longer she waits, but that's not necessarily so. If she submits to an insurance physical, it's going to look a lot better if she can show she's kept her hemoglobin A1C below 7.0 (better still 6.0) for the past year.
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