#38 - I'm too healthy for Disability and too sick for Life Insurance

I'm TOO HEALTHY for Disability, but TOO SICK for Life Insurance.

I tried to get life insurance in case something does happen to me, my house will be paid for so my husband won't have to worry about making the mortgage without me. Two days passed, and they came back and said they wouldn't insure me because of my condition.

I even told the lady that my doctor says that I'm not disabled "from a kidney standpoint," but she said that my condition is too rare and also incurable. She said, "I've done my research. There is no way for us to know how long you will live and therefore you are a risk."

What is wrong with people? Aren't we allowed to have any hope with FSGS? Or is this just some long drawn out, decades long death sentence that no one is telling us about? When I meet a new doctor for the first time, and I tell them my diagnosis, why do I get the sympathetic half smile and the pity eyes with a mournful pat to my shoulder like someone just died?

Every time I get used to being sick, get used to my 'new normal' and forget how topsy turvy things are....some turd comes along and reminds me that I have a stupid disease. I just got over my new primary care physician asking me, "How are you handling the diagnosis and prognosis of your condition?" I remember telling him, "Fine til you asked, thanks!”