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@structure Ah, someone finally speaking some truth into this young adult!

@loyal1975 What do you mean for your grandkids? You mean life policy for yourself and your grandkids as the beneficiaries?

@brinehawk You haven’t had edibles in 4-5 months? All you mentioned in your post was not smoking since about 18 months ago.

@brinehawk Cannabis will show in your urine. Your Xanax will show when they request for your doctors medical records. They pull medications and medical history. If you intentionally hide this information, you will be declined and probably be unable to obtain insurance in the future (from my...

@noelle_likechristmas No it’s not , they can’t give you a solid quote until you go through the application and underwriting process. Bariatric surgery patients are very high risk so I’m not surprised. The surgery is very involved and has a lot of potential for post surgical complications even...

@noelle_likechristmas Age has a lot to do with it. You’re 15 years older than when you first purchased your term insurance. Price increases for every year we age. At 47 for a $5mil term policy I’m not surprised at your quoted premiums to be honest