Life Insurance

[happymama2014 206]

Has anyone been able to get life insurance before or after surgery if so through what company? I cant get it before and I'm afraid I will be denied after. I wanted insurance before my surgery in case there was a complication with surgery or something. Not sure anyone would cover a complication from an elective surgery but im a single mom and i need to look out for my son.

[woo woo 872]

There are policies you can get online that do not require a health exam like traditional policies.

They cost more, but could be worth it to make sure you are covered during surgery.

Something like that might cost you like 150/month or so but you literally just have to sign up for it.

[thesuse2000 698]

I looked into life insurance before surgery, because my husband is ill/disabled and dependent on me. I spoke to a couple insurance companies and basically learned that no one will insure people before surgery. And you can't lie (in case that would cross your mind) because if (g-d forbid) you died in surgery there would be clear evidence that you had in fact planned the surgery at the time you signed up for the insurance.

My understanding about the ones that don't require much info is that there are clauses, so they don't actually pay out in a situation like a planned surgery or a known illness.

I'm sure I didn't look at all options, but just want to make sure you don't sign up and pay for something that wouldn't actually pay out should the worst case scenario happen.

The odds are very very good that you will survive though! I wish you the best in your journey.

Oh - you mentioned being concerned about getting insurance after surgery. I was advised to apply 6 months after surgery. And at that point my weight should be lower and that will mean better coverage.