Is life insurance available after ALS diagnosis.

by adappen » Fri Dec 18, 2009 04:18 pm

have a question about the ability to obtain Life insurance policies after diagnosis of illness. My husband who is currently 42 has been diaganosed with ALS (lou Gehrig's disease). The condition is only in his arms at this time. At this time he seems to be a very slow progressor and we are still looking at the small possiblity that he may have a rare version of the disease that stops in the arms and fizzles out. The symptons seemed to have started about 2-3 years ago with an official diagnosis about 1 1/2 years ago. For as quickly has his arms progressed initially, the disease has not traveled to any other body parts which is unusual. Now that he has received the diagnosis, is he able to obtain life insurance. Prior to this he had only cholesterol issues that developed in his later 30's. He is a non smoker, 6'2", 195 lbs, white male. I am 39 and we have to chldren 7 and 9. Any advice would be appreciated. My husband some coverage through work and a smaller policy taken when starting college by his parents, MI Economizer policy, to cover funeral type expenses etc.

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