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    walshmeister asked a questionPancreatic Cancer

    I received a call from a company that said they would buy my life insurance policy, for a percentage of the face value.

    6 answers
    • geekling's Avatar

      Before there were any drugs to assist, there was a healthy trade likecthis for AIDS patients who could then plan a big blow out party or pre-funeral ceremony and cover costs of end of life care.

      As you might guess, late investors did not do so well.

      The choice is yours based on your needs and desires. Wishes for you to outlive expectations and enjoy the benefit of the offering, should you take it. If not, I still wish you a return to good health.

      3 months ago
    • katiefnp's Avatar

      Great question to post, walshmeister.
      I initially about this maybe ten years ago. Actually, I think it's a very good idea. Who cares if someone else is going to benefit from your death "one day." It is inevitable for all of us, no matter our condition.
      After I turned 50, last year, my life insurance premium doubled to $728.00 every THREE months. I can barely pay it each time the due date comes around.

      I was given a 50/50 percent chance to live, once my triple negative stage IIIb recurred September 2015.(It was unfortunately triple negative IIIB as well.) My life insurance policy is for $209,000.I'd be hard-pressed to turn away someone offering me half of that right now, and THEY pay the premiums.

      I believe I'm going to live a long time/natural life. Cashing in on this wouldn't be giving up. I think it's a win-win situation. As long as it's for AT LEAST half the face value of the policy, I don't think it's "preying" or trying to take advantage of sick people.
      Although, I'm sure there are scandalous, companies out there, with no morales, ready to take advantage of anyone and everyone.

      3 months ago
    • rene2's Avatar

      I agree with @katiefnp. I think this is a great way for someone who is terminal to have money for the things they need right now and in the near future, as well as for end of life planning.

      Many people pay for life insurance policies they don't really need only because they started paying for them when they were younger. When you have people who depend on you for support; such as children or a disabled person, then life insurance is something that you would get because if you were gone it would help to support them until they could either support themselves or an alternative was found. Once your children are grown and/or you have no one who relies on you for support then the necessity of life insurance goes away. My Mother was distraught about her life insurance being cancelled because my brother, who was taking care of her finances, didn't pay it. I reassured her that it wasn't necessary for her because all of her children are grown and self-sufficient and there's no reason for her to struggle to pay a large premium every month in order to leave us money we don't really need. Now she has a small policy that will cover her burial and related expenses. That's all she needs.

      Please consider only the actual "needs" of your beneficiaries when you're thinking about life insurance and do your research. People who sell life insurance are not the people you should be getting advice from because it's their job to convince you to buy the most policy you can afford.

      3 months ago
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    walshmeister asked a questionPancreatic Cancer

    Just curious about anyone you might know that has lived a long life after diagnosed with Pancreatic Cancer

    7 answers
    • Deacon2011's Avatar

      I had lunch yesterday with a friend who has just paseed 11 years surviving pancreatic cancer. The numbers aren't great but if you can get to,surgery, with good chemo,before and after the survival,rates go,up to 30-40%. Not great but so much better than in the past.

      5 months ago
    • Russ' Avatar

      Walshmeister...if you look on your wall there is an email/posting from myself when I was a 14+year pancreatic cancer survivor. I just recently passed my 16th year on November 3, 2016. Everything I wrote to you then still holds true today. There really is light at the end of the tunnel...it is the candle of hope. As long as you can keep that candle lit, with the help of those on WhatNext, you will have beaten this horrible disease. Don't look on the dark side, and continue to think that you are on borrowed time. Think on the positive side, and continue to think that you are going to beat this disease. I noticed that you have been with us here at WhatNext since January 2013. To me it looks as though you are coming up on January 2017 real soon. If my math is correct that is 4 years. You have already beaten the odds of survival for pancreatic cancer. Keep the faith my friend...my best to you. Russ

      5 months ago
    • Whitey61's Avatar

      Friends wife has to be at least 8 yrs now?

      5 months ago
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    walshmeister asked a questionPancreatic Cancer

    What motivates you?

    4 answers
    • Littlebit's Avatar

      Even though I have stage IV pancreatic cancer, I am caregiver for my 84-year-old Daddy since September of this year. That motivates me to take care of myself so that I will be able to continue to help him. He has congestive heart failure, stage III kidney disease and multiple pulmonary embolisms along with a couple other odd and end health issues. He has fallen four times since I moved in with him and needed stitches one time and also broke his nose that time. He is so wobbly. I walk my dog so that I get exercise and am able to help Daddy when he is getting around. I drive for him because he had to stop driving. I cook for him and make sure we both eat healthy, most of the time anyway. I run the house and make sure things go smooth around here. I let him tell me what he wants done so that he doesn't feel like he has lost control of his life. I know that feeling myself.

      I am so thankful that I am physically able to help my Daddy. The odds are that I would be too sick to do it but the odds were wrong. I have not lost any weight, my appetite is great, I have just a little pain mostly in my leg joints because of the cold weather and chemo combination. Other than not having hair, you would not know I was sick at all. It is a blessing and I am thankful for it every day.

      5 months ago
    • cllinda's Avatar

      I read the book "A silver Lining" by Hollye Jacobs. It's the details of her fight of breast cancer. She was a nurse, only 39, and a young mom, and it's her story on how she got through breast cancer, surgeries, chemo, and all. Inspirational.

      5 months ago
    • LiveWithCancer's Avatar

      My dogs motivate me. And, my friends. I don't read much any more. My faith and family also motivate me.

      5 months ago