Life insurance has always been a sore spot for me. I only have been able to get a ten year term policy once and it was very expensive. I needed it for a business loan I had taken out and it was just a cost of doing business.
But I have one good life insurance experience. When I was in my twenties I looked into Dental Association life insurance, and they sent out an examiner. He found an abnormal nodule in my neck and referred me to my doctor. The doc did a needle biopsy of my thyroid and it came back papillary carcinoma. Surgery was immediately scheduled and my thyroid was removed. After surgery the surgeon told me that my doctor had great aim, because he found the only live cell in my whole thyroid. The gland had been totally destroyed by Hashimoto’s.
Sometimes getting a disappointment can be the best thing to happen to you. I didn’t get the policy, but I got the treatment I needed before it became an emergency.