Combined Life Insurance & Pancreatitis

May 12, 2004

Hi,

I have Combined accident and sickness insurance..basically pay a

premium every month, and I get paid for the time I'm in hospital and

recovering afterwards. I haven't had too much problem with getting

the funds...just had to get on their backs a couple of times when

they didn't want to pay out on some recovery time that they owed

me...but they have a tendency to turn up on your doorstep every 6

months to (they say go over your policies) but I believe it is

purely to try and sell you some other policy they have..which is

what happened to me today...this time it was Life insurance.

My husband and I want to take out some more life insurance

coverage..for me it won't be allowed due to my tumors, but for my

husband hasn't been a problem anywhere else if we've wanted to take

it out.

The guy was so hopeful he'd be able to insure me because he couldn't

find my hereditary illness on his list of uninsurable conditions,

and I kept telling him that the tumors were classed as low grade

fibrosarcomas...yet he said no problem with those...I told him to

look up sarcomas and he gave me his book and told me I might find

what he was missing....(he was looking at fibromyalgia *L*)

Skimming through the illnesses, I came across

Pancreatitis....according to them a person is insurable if they

haven't had an attack in the past 5 years, isn't from alcohol abuse

and hasn't been hospitalized for it in the past 5 years...

Now if a person has had an acute attack in the past 5

years...alcohol abuse...and been hospitalized for it in the past 5

years, then they are uninsurable.

I tried telling him that I don't and never have drunk much alcohol,

and my pancreatitis was in fact caused firstly by my hereditary

illness then secondly from complications due to surgery to correct

the first problem. He closed his book very quickly, told me he

couldn't help me, and my husband was probably too overweight to be

covered also...(they don't allow a person to be over 264lbs at 6ft

tall). I've not heard of that being a disclaimer for life insurance

before..I might be wrong, but just never been asked that when

applying for it before.

I didn't want their insurance, but can't believe that they list the

alcohol abuse as the reason for the pancreatitis..not giving any

other options for having the illness and then not even allowing

coverage because of pancreatitis.

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