DrDark
Active member
- Joined
- Mar 1, 2019
- Messages
- 30
- Reason
- PALS
- Diagnosis
- 09/2015
- Country
- US
- State
- Virginia
- City
- pennsyltucky
I would like to hear from any pALS or cALS or survivors who have any knowledge or experience with these kind of policies. I know that they are small benefit policies (> 40000$), and that the premiums are exorbitant, and they won't pay until after the owner has had the policy for two years. I am 50y old, and my symptoms started about six years ago. My fvc dropped about 20% from December until March. Statistically, I am living on borrowed time. Even if I pay $20k because I live for way longer than expected, $40k tax free is still a nifty return and if I don't make it to two years, my survivors get my premium back.
I have to be missing something... Please enlighten me!
I have to be missing something... Please enlighten me!