Has Anyone Been Denied Life Insurance for Themselves/Their Child Based Solely on PA?
Of course there is always a method to my madness, or a reason for my maddening questions [img]http://uumor.pair.com/nutalle2/peanutallergy/eek.gif[/img]
This week I received in the mail, two different mailings from Gerber Life Insurance Company for their Grow-Up insurance for children (companies have three different last names to choose from so I often get duplicates or triplicates!).
Jesse does have insurance through school for any accidents, etc. You buy the package at the beginning of each school year, but it does not have any medical questions.
I looked at the application and the cost to insure both children is minimal. Also, I remember a friend of mine whose Mother had taken insurance out on her when she was a child. As it turned out, it was a good thing that her Mother had, because the insurance continued into her adulthood. She contracted Hepatitis C through a blood transfusion which makes her uninsurable (except through Norwich Union). So, because of her Mother having taken out this policy when she was a child, she still has a life insurance policy in place that she would now not be able to get.
On the application, there is this question.
Do any Proposed Insureds have any existing impairments, diseases, health or medical conditions?
As soon as I saw that question, I recognized that Jesse may be considered uninsurable because of his PA. I am going to put it down because you HAVE to (i.e., I know about the "condition" when I am applying for the insurance). I am also going to put down that both him and his sister have asthma (Ember's is very slight and it is a "diagnosis" that I am beginning to question strongly).
However, for the basis of this application in particular, I want to put both children down as asthmatic (Ember is on asthma medication and it is only me that is questioning the diagnosis at this point - at the point of application). Therefore, the only difference between the two children would be that Jesse is PA.
Also, I would like to point out that I was simply going to throw the applications in the garbage. I wasn't even considering getting the insurance (not clear why), but when I saw THAT question, I wanted to see if this would be, in fact, the case. I have always had a strange feeling about having life insurance for your children (probably not too many people share this thinking). What I'm trying to say is that I wasn't interested in purchasing life insurance for them right now, but once I saw the question I almost felt I HAD to to see if PA did enter into their decision to ensure my son or not. I hope someone can see what point I'm trying to make and make sense of it.
Does anyone have any thoughts on this? I just have this really sinking feeling in my heart/stomach that I will complete the application and Jesse will be denied because of his PA.
Any thoughts would be greatly appreciated.
Many thanks and best wishes! [img]http://uumor.pair.com/nutalle2/peanutallergy/smile.gif[/img]
[This message has been edited by Cindy Spowart Cook (edited March 24, 2001).]