When I was with my ex-husband, Nick, and I had Gavin, his parents purchased life insurance for him. I didn’t understand why at the time. It seemed so morbid to me, preparing for your child’s possible demise. Then when Nick and I split and the policy was allowed to lapse and eventually close altogether, I began to thinking about insurance and life insurance in earnest.

When Rob and I moved in together, he made sure we both had at least a bit of life insurance. Of course, we had our car insurance, renter’s insurance and then the little private policies on the expensive electronics Rob loves so much. But life insurance? What was the deal? I would learn soon enough.

We had some very basic life insurance on each other; in case of something horrible. That way we’d at least have enough for a small service and that was good enough at the time. Then my health made a drastic turn for the worse. One doctor told me I was “24 with the body of an 89-year-old”. Life insurance was going to be next to impossible to get now! They require physicals; Rob and I both knew I wouldn’t pass one. Who wants to cover someone with Fibromyalgia, chronic migraines, GERD and IBS?

Then to make matters even more complicated, we ended up on public assistance again. With public assistance you aren’t permitted to have whole life insurance because you can draw money out against the policy. They view that money as cash. We needed the insurance but we needed to find decent coverage that fit all of our needs. It was a nightmare!

In the end, we manged to get our insurance agent to find something that worked for us and with us. Thank God!

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