Father about to be diagnosed with cancer needs help with life insurance
March 18, 2014 7:54 PM Subscribe
I'm 49 and my wife is 44. We have two small children 7 and 2 and do not own life insurance. Last Friday, we learned my wife has breast cancer, and the same day found out there is a likelihood I could be diagnosed with bladder cancer in the following weeks. Is there any kind of life insurance which I should quickly try to secure in the short time I have while I am still basically healthy?
posted by anonymous to Health & Fitness (15 answers total) 1 user marked this as a favorite
Last Friday was not a good day. My wife's biopsy showed breast cancer on the same morning my urologist opined that the small amount blood in my urine could be caused by, among other things, 'tumors'. The possibility that my children could soon have both parents fighting cancer has turned our world upside down.
My wife's cancer is likely in the early stages and her prognosis is generally good. My doctor has ordered some CT scans and further tests to examine my situation.
While I try to swallow the shame of turning 50 with two children and no life insurance, is there any kind of life insurance that I should try to quickly secure, while I can still honestly answer that my health is good, and I've never been diagnosed with cancer or any other major disease?
Background my health situation: While I've lived in the US for the last 3 years, I lived and worked in the tropics for 15 years where I was regularly exposed to a somewhat rare form of urinary shistosomiasis. While I was careful and felt I never 'caught it', and never developed any symptoms, it now appears highly likely that I could have easily been infected AND asymptomatic for a long time. I've since learned that bacteria accompanying the presence of these schistosomes in the bladder can often lead to bladder cancer. My worst case scenario is that they will find evidence of tumors in the next week or so after a CT scan, followed by a direct look at them via cytoscopy, probably the week after that. Bladder cancer often presents itself at a late stage, and has a much lower survivability than early stage breast cancer.
The fact that North American medicine is very slow to discover tropical diseases could work to my advantage here, and buy me a little more time. Blood in the urine can be caused by many things, such as kidney stones. They will obviously look in that direction first.
I'm basically healthy as a horse, save for a slightly elevated white count, and a small amount of blood in my urine, which was discovered more or less by routine exam.
Obviously if I need to submit blood and urine to get life insurance, there might be some flags raised there. (No illegal drug use, but I take Adderall daily for ADD). But is there anything I can and should do asap in terms of life insurance, which will not be available to me in a months time?
Thanks for reading all of this. I'm a worried and ashamed father and husband, spooked by two doctors speaking about cancer on the same day.