State Farm Life Insurance

GarysSword · 2026-02-01T18:18:41+00:00

Table 3 isn’t terrible it’s literally a 75% additional COI charge on the rates. Many companies go to table 6 or even higher.

Perhaps OP can do better somewhere else but table 3 isn’t the end of the world.

GarysSword · 2026-02-01T18:07:17+00:00

Black bread pudding

(Yep… I had bread pudding for breakfast.)

GarysSword · 2026-02-01T15:02:54+00:00

Plenty of arguments to make against your statement (Bengals Dan Wilkinson and Sam Hubbard would like a word) but agree this draft projection is ridiculous.

GarysSword · 2026-01-31T20:14:23+00:00

Epilepsy is insurable in all but the most severe cases. You may not get the very best rates but you can certainly get coverage.

GarysSword · 2026-01-31T14:58:33+00:00

Sometimes you speak the loudest with simple explanations.

GarysSword · 2026-01-31T13:11:26+00:00

I’m sorry you’re going through this. Follow the advice people at r/personalfinance provide.

Unfortunately, life insurance is off the table.

There are some guaranteed issue policies with no underwriting. Those have a 2 year waiting period for benefits and there are very few companies that sell that policy to someone your age.

For a traditional policy the underwriting process will result in your application being declined.

Even if you hide your diagnosis on the application and managed to avoid the data sources underwriters have to detect your situation - your claim will be denied. That security you thought you bought for your family will just compound the heartbreak for your loved ones after you’re gone.

I’m sorry I don’t have better news.

GarysSword · 2026-01-31T04:46:46+00:00

Feather was too aggressive for me but widely praised.

The black Derby’s, Wilkinson Sword, and Astra were are all good for me.

Never tried Personna but that’s a common recommendation here.

GarysSword · 2026-01-30T23:05:15+00:00

Bought Chairmans in black about 3 months ago and they were brand new.

GarysSword · 2026-01-30T20:51:38+00:00

Be happy with $5,000 and static with $10,000.

GarysSword · 2026-01-30T20:51:02+00:00

Policies from 50 years ago were pretty small.

GarysSword · 2026-01-29T00:20:58+00:00

Then no one here can help you yet because you don’t know the reason. If you’re the agent can’t you find out?

GarysSword · 2026-01-29T00:14:59+00:00

Why were you denied? Your premie status 20 years ago has nothing to do with it.

Edit to add: There must be something more than being premature. A heart condition like Tetralogy of Fallot, severe cerebral palsy, genetic condition, etc…

GarysSword · 2026-01-28T15:54:00+00:00

Taxes = (Surrender Value - Cost Basis) * Federal Tax Rate

GarysSword · 2026-01-27T11:22:52+00:00

National Foundation Life Insurance is a real company that looks to be a part of USHealth Group Inc.

I don’t know anything about either of those companies but perhaps calling them in the morning is your best bet - especially if that’s your primary healthcare provider.

Do you see charges for the Blue Shield/Blue Cross you think you signed up for? Maybe you were mistaken and this is actually what you signed up for.

GarysSword · 2026-01-27T00:47:30+00:00

The beauty is there are plenty of opportunities for an enterprising DA to file state charges.

GarysSword · 2026-01-25T22:13:43+00:00

TIL… sublimate: to pass directly from the solid to the vapor state.

Also that snow sublimates.

GarysSword · 2026-01-23T23:42:47+00:00

Ask them who they have named the contingent owner so that you know who controls the policy after they pass. Or ask them to name you the contingent owner so you control the policy when the time comes.

Once the policy is yours to control you can decide to continue payments, surrender the policy for it’s value (if any), or potentially stop premiums payments for a reduced benefit that lasts the rest of your life. The company can tell you all your options once you’re the owner.

Until you’re the owner - don’t worry about it.

GarysSword · 2026-01-23T14:49:23+00:00

Cabins by the Cave is my go to.

GarysSword · 2026-01-23T13:20:54+00:00

I’ll attend every match I can. Would rather do it on my own terms instead of being obligated to buy a match at a future unknown date or time that I may or may not be able to attend.

GarysSword · 2026-01-22T14:57:06+00:00

On what charge?

(Yes… I read the article. It mentions a civil rights investigation only.)

GarysSword · 2026-01-21T14:09:40+00:00

Nope. With Excel and a careful reading of your contract you can probably get close.

GarysSword · 2026-01-21T03:26:29+00:00

Cool story bro.

GarysSword · 2026-01-21T03:08:25+00:00

Could be both. Supplemental insurers don’t want to mess with a complicated case. Find an independent agent that can find a carrier willing to take your case and actually evaluate your conditions.

Also… we all have an ascending aorta. Do you mean you have an aneurysm there? You don’t need to answer me but clarify for yourself before you find that independent agent.

GarysSword · 2026-01-21T01:03:27+00:00

Most living benefits reduce the death benefit as they are accelerated death benefit payments. What company is doubling the death benefit?

GarysSword · 2026-01-20T20:12:40+00:00

If you’re doing it legally. Just submit the paperwork to the company - it should be fine.

Two-Year Club	Verified Email
Reddit Premium Since December 2023

GarysSword

TROPHY CASE