Has Anyone Been Denied Life Insurance for Themselves/Their Child Based Solely on PA?

Posted on: Sat, 03/24/2001 - 7:56am
Anonymous's picture
Anonymous (not verified)

pOf 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]/p
pThis 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!)./p
pJesse 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./p
pI 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./p
pOn the application, there is this question.br /
Do any Proposed Insureds have any existing impairments, diseases, health or medical conditions?/p
pAs 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)./p
pHowever, 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./p
pAlso, 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./p
pDoes 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./p
pAny thoughts would be greatly appreciated./p
pMany thanks and best wishes! [img]http://uumor.pair.com/nutalle2/peanutallergy/smile.gif[/img]/p
p------------------/p
p[This message has been edited by Cindy Spowart Cook (edited March 24, 2001).]/p

Posted on: Sat, 03/24/2001 - 8:28am
jawar's picture
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Joined: 09/05/2000 - 09:00

I signed my son up for that Gerber insurance, but at the time we did not know about his peanut and egg allergy. Should I contact them about this do you think?
Don't think they would care, but I might be wrong.
Cindy, make sure and let me know their reply.

Posted on: Sat, 03/24/2001 - 10:04am
Anonymous's picture
Anonymous (not verified)

jawar, I'm fairly sure that you DON'T have to notify Gerber of your child's allergies now.
I believe it's when the insurance comes up for renewal when your child is 21 or 28 (can't remember which age it was now), when the policy is actually turned over to your child and they then choose what they want done with it, that new medical things would be taken into consideration.
But, no, I don't believe you have to notify an insurance company once they insure you should you develop any conditions, even ones that might have made you otherwise uninsurable.
Actually, if it turns out that Jesse does get turned down because of his PA, you might be quite pleased that you got the insurance before you knew.
I'll let you know as soon as I hear anything.
I'll be filling the application out over the week-end and they have to let you know within a month whether you have been approved or not.
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).]

Posted on: Sun, 03/25/2001 - 2:01am
katiee's picture
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Joined: 05/09/2001 - 09:00

Cindy,
I could be wrong, but based on our experience with life insurance, your son shoul be covered.
My DH has epilepsy (has had 4 sezures of unknown cause) and is on medication. We applied for morgatge insurance when we bought our new house 2 1/2 years ago. They sent an RN to the house who filled out forms and we had a number of questions to answer about my dh's condition. We were given the insurance.
Hopefully the same will happen for you! I know these are 2 very different conditions but since both can be serious I think the same should apply.
Regards,
Katiee (Wade's mom)

Posted on: Mon, 03/26/2001 - 10:49am
Mich's picture
Offline
Joined: 09/16/1999 - 09:00

It was never an issue with our insurance company, I mentioned it but they were only concerned with the severity of my asthma(very minimal) and never questioned the peanut allergy at all.

Posted on: Tue, 03/27/2001 - 4:33am
BENSMOM's picture
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Joined: 05/20/2000 - 09:00

Hi,
I'm just wondering why anyone would buy life insurance for their child. The point of life insurance is to replace income when a person dies. A child is not providing income, so there is no need for money when the child dies. I was licensed to sell life insurance at one time in my life, so I will tell you what I know about it.
There are 2 basic kinds of life insurance: term life, and cash value (whole life, universal life, etc.)
Term life is straight life insurance for some fixed amount of time. My husband and I have term insurance for 10 or 15 years. Some are for one year and are renewable each year. The idea is that after some amount of time, you will be "self-insured". You will have enough money saved, or will be in retirement on a pension etc, that you don't need extra money when your spouse dies. Term insurance is much cheaper because you are only paying for the insurance.
Whole life and all the others offer a savings aspect. I'm pretty sure that's what the Gerber insurance is. You pay a premium for life insurance, and part of that goes to savings. There are 2 problems with this. First of all, you don't get the insurance AND the savings. If you die, you get the insurance, but not the savings. If you live, and "cash out" you get the cash value (the savings) but not the face value (the inurance). So it's either/or. The second problem is that you could get a much better savings rate just sticking your money in a mutual fund or probably even a basic savings account. Cash value life insurance is basically a scam and a rip-off. If you want your child to have some money, just put it in the bank, not in a cash value policy.
If you put it in the bank, then in the unlikely and tragic event that your child dies, you will have the money saved for the funeral, which is the other reason people buy life insurance on their kids. Please don't waste money on insuring your kids.

Posted on: Tue, 03/27/2001 - 12:54pm
Anonymous's picture
Anonymous (not verified)

Bensmom, thank-you for your post although I think you may have missed my point. First of all, I was NOT considering applying for life insurance for my children until that particular question on the application struck me. It is a test case to see if my son will be denied life insurance at the age of 5 because of PA. Does that make sense?
Also, I do believe people purchase life insurance for more than to simply make up for loss of income.
There are people that purchase life insurance policies for their children, as posted above.
Also, I posted the very excellent example of how a parent purchasing life insurance for their child (my friend) worked out in my friend's favour when she later, as an adult, became uninsurable.
I did not mean for this to be a discussion on whether or not people should purchase life insurance for their children or not or the validity of life insurance over investing in mutual funds for our children.
I am using my application to Gerber as a test case to see if my son will be denied life insurance on the basis of PA. I think this is important for me to know, as his parent, and for other PA parents/people to be made aware of.
Best wishes! [img]http://uumor.pair.com/nutalle2/peanutallergy/smile.gif[/img]
------------------

Posted on: Tue, 03/27/2001 - 10:33pm
BENSMOM's picture
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Joined: 05/20/2000 - 09:00

Cindy, I did understand your test case, but there were others who had purchased insurance and it had not come up at all what the reasons or pros and cons were, so I wanted to put my 2 cents in. As for your friend, I don't know the details, but my guess would be that the amount of the policy is not enough to do much good as an adult. It's probably on the order of $10,000 or so, when as an adult, you might need $500,000 or more.
I will be interested to know how the application for Jesse turns out. I know that airplane pilots sometimes have to pay more because the have a life-threatening hobby or occupation, so a life-threatening allergy might come into play. Keep us posted.

Posted on: Tue, 03/27/2001 - 10:52pm
Nick's picture
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Joined: 11/01/2000 - 09:00

I don't know about the rules in other countries, but in the UK, Insurance Companies had a condition in the policies which says that you must notify them of any "material changes which could affect the insurance". Developing an allergy during the currency of the policy is a material fact which could affect it and should be declared, else the policy could be declared void if you come to call it in.

Posted on: Wed, 03/28/2001 - 12:39am
Anonymous's picture
Anonymous (not verified)

Bensmom, I'm sorry, I see that you do understand where I was coming from with this one.
Nick, you don't have to answer this, as it is very personal, but do you have life insurance? Have you notified them since your development of PA?
From what I read about the insurance I am applying for, it does not say anything about having to notify Gerber if you do develop a condition, so someone such as jawar, above, would be okay, finding out about PA and other allergies after having applied and been approved for insurance for her child.
Actually, I'm not clear that we have to notify insurance companies here if you do develop a condition. It actually kinda doesn't make sense because then wouldn't be all suddenly become uninsurable at some point and have wasted all of the money paid into the insurance?
I am extremely interested in what response I get from Gerber.
Best wishes! [img]http://uumor.pair.com/nutalle2/peanutallergy/smile.gif[/img]
------------------

Posted on: Wed, 03/28/2001 - 3:05am
katiee's picture
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Joined: 05/09/2001 - 09:00

Cindy,
I just thought I would mention something that appeared in Dave Brown's Ottawa Citizen colum sometime last year.
In the story, 2 widows had recently been denied "morgtage insurance" after their respective spouces deaths as a result of "non-disclosure" of a medical condition which arose after the original coverage was invoked.
In other words, their husbands became ill with a condition after they were accepted in to the particular morgtage insurance plan and because the insurance company was not informed of the change in medical status, the policy was nul and void. I'm not farmiliar with the in's and out's of the insurance industry here in Canada, but it's something that you might want to look in to.
Regards,
Katiee (Wade's mom)

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