Re: Life insurence question

November 22, 2008

Hello ...

Here is our story I am 40 and a achon and our daughter is 10 and an

achon and my husband is 40 and is 6'3 and a smoker. We all have life

insurance with American Family Insurance....it won't be a million

dollar policy but it is quiet substantial. No problems. If you can't

get it in your home town email me privately and I will give you the

name and number of our guy and he'll take care of you. It's all about

how it is presented.

in Arizona

On Nov 21, 2008, at 10:59 PM, baired6 wrote:

> Hey all. I never post on here, but I felt this was a great one to post

> this to. My name is Clutter. My husband and I have 5 kids.

> Number four, Dulcinea, is 4 years old and has achondroplasia. We are

> currently getting a life insurence policy on each of our children. The

> 4 average hight kids of coarse are now covered. However, they have

> denied Dulcinea due to her " history " of achondroplasia. ( I love how

> they worded that!)

> My question is this:

> Have any of you been able to get life insurence? If so can you tell me

> how we can get her insured? Are there any laws concerning this that we

> should know about? I am really at a lose on this, not knowing, really

> what to ask. I guess I just wanted to know if any one on here who has

> dwarfism, or whos child does, do you have life insurence and how will

> we be able to get her covered if we even can.

> Thank you all in advance for any advise or wisdoms you would like to

> share.

> C. ( mom to Dulci, 4 yrs achon. and seemingly uninsurable)

>

November 22, 2008

I thought I heard on here and other sites that dwarfs couldn't get private

policy

(thru employment they can) -- life insurance -- due to the fact -- they weren't

on

the " actuary " tables that the rest of mankind falls on. Thus they don't have

enough data to do their numbers.

Anyhow, so many insurance companies are refusing to pay and denying,

perfectly legit claims -- I've heard/read -- of people getting cancer, dying,

etc. and being dropped/denied. One lady's husband died, and they were

head of a prominent medical research or charity firm -- I forgot. And they

outright refused to pay -- even though all the t's were crossed and i's dotted.

They did refund the payments -- but WOULD NOT pay out. And it's happening

widespread now.

I would think (human nature) in today's climate, you don't really have life

insurance - until it's time to pay. They measure bodies in autopsy, they

may say -- " oh -- he/she is only 4' 2 " -- sorry we don't cover dwarfs " at that

time.

If they're not paying out for legit cancer cases, I would think they'd find

being

a " dwarf " at death -- a good excuse not to pay out, among many others.

(Especially if you put 4' 10 " or 5' on form, and they measured you to be say 4'

4 " --

they may say it's " fraud " .) Although people shrink as they age. . . .

Just my thoughts . . .