QUESTION MIGHT BE WRONG PLACE PLEASE MOVE OR AVISE WHERE TO POST IF SO!!

[geoffcamp]

So I have been on dialysis a long time. Everyday I think about stopping and taking my chances. I'm alone. Never married no children so I have feelings of not needing to burden parents or sibling with all my problems and money issues. With that in mind I am asking if anyone knows if or where or if its even possible to buy a life insurance policy to attempt to leave something behind. My life feels like one big cycle. Same thing day in day out. Family has tried everything to make me happy and sometime I am. But it is also possible even if I'm compliant to die at any time. So are there policies available. Where can I search. Will it exclude dying from pre existing condition?  Is there a time period where benefits will be reduced if go I go quickly after buying a policy?  Anyone looked into this. I'm not saying I want to die but it seems pretty inevitable so if I can I want to and feel the need to leave some money for family when ever it does happen. Morbid I know but I'm positive we have all had the thought run across our mind. Plus with me being alone fighting this with no companion wife kids so on it would put me at ease. G.

[Desert Dancer]

If you find an insurance agent who won't laugh you out of the office at the mention of ESRD, please let me know. I have never been able to get an individual life insurance policy, not even 20 years ago. I have a small group insurance policy from a job I held 20 years ago and I'm vigilant about the quarterly payments because I know if I lose it I'll never get another.

[geoffcamp]

That is what I furgured. THX. Maybe someone here will know of something.

[jeannea]

If you belong to any professional societies, sometimes they will offer policies without questions as a benefit. I have a small policy my parents purchased when I was a kid. But I get offers from the American Chemical Society all the time.

[renalwife]

the Insurance offers I get are if I die within 2 years,  all premiums
 are returned to the beneficiaries.  After that, is is for the full amount.

[Rerun]

There is a commercial that talks about "only 33 cents a day and that's less than a postage stamp" and you have to be 50 years or older and no physical is needed.  Next time it is on I'll get you the number.

[Sydnee]

if you are a member of a credit union they may have offers for life insurance. ours does.

[lmunchkin]

If you find an insurance agent who won't laugh you out of the office at the mention of ESRD, please let me know. I have never been able to get an individual life insurance policy, not even 20 years ago. I have a small group insurance policy from a job I held 20 years ago and I'm vigilant about the quarterly payments because I know if I lose it I'll never get another.

That is what we have too.  It aint a whole lot of money, but the premiums are extremely high due to increase in age.  It was a Whole Life Policy too that we took over when he retired in 2011.  Back in 2003, his company switched Life Ins. companys and I thought about a Term Life.  Nine months later, he got ESRD, and I should have done that with the Term Life, but as usual excuse, "I didn't have time".  Truth is, I should have taken the time before this happened to John.

Now, I pay those high premiums with my life.  We can't afford not to!!

lmunchkin