Replies to This Discussion

Permalink Reply by Tristan on January 10, 2010 at 11:24am

Wouldn't most insurance carriers just declare, let's say, diabetes as a pre-existing condition even well after picking up a policy?

You think I'd know more about this kind of thing actually, having alot of family with experience in the insurance industry. D:

• ▶ Reply

Permalink Reply by Tristan on January 10, 2010 at 12:02pm

I guess I didn't frame the question really well

The example I'm trying to use here is my own, I had gotten life insurance last year because of my area of work (Working with big scary machines that make plastic and kill people on occasion :D), had no health issues what-so-ever prior to getting the policy - wouldn't they just attempt to drop me, now that I've been diagnosed with diabetes as of now?

I *think* I've heard of it being done with people who were diagnosed with cancer, and it had happened to my uncle when he was in the hospital for some heart issues. Not specifically with life insurance, but with health insurance, though. They tried to claim the problems on pre-existing condition, and then deny coverage.

I'm always so foggy on the whole insurance industry bit.

• ▶ Reply

Permalink Reply by Tough Type 1 on March 16, 2012 at 10:33pm

If you work for a large company on your health plan you can opt in for term usually up to 100K.

• ▶ Reply