I have been looking at life insurance that will cover suicide. It appears that most companies that provide this product require the policy to be held for 13 months before the cover of suicide comes into effect. Does anyone have this type of life insurance? I am curious to whether you have to disclose any mental health diagnosis, treatment or past suicide attempts or if there may be any other fine print that may stop a payout on one of these policies?
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Life Insurance
I just turned 50 and have been married for 6 years on my second marriage. I lost my job due to a downturn in my industry 18 months ago and have been doing low paid work just to make ends meet since then. Basically my wage has been reduced by 75% and we are finding it hard to make ends meet. My wife married me when I was doing ok and now she has to work even harder herself and I cant give her any nice things or holidays like we used to. I don’t know when or if I will ever get back into […]
A lot of people say that Suicide is cowardly. I disagree. The one thing that is a constant source of apprehension and fear in humanity, is death. No one knows what happens when you die. Is there an after life? A heaven or a hell? Are we reborn? Or do we simply disappear?
Many of us are preoccupied with our own death and the preparations there of. We write Wills years in advance, we buy life insurance, we go to church and pray in hopes that through redemption we will obtain a better place in the afterlife that may or may not exist. We as […]
I just need to get it out. I’m 30 in July. I’ve never once had a job. I’m mentally disabled but can’t get on disability. Everyone treats me like I’m trash not worth helping. I’ve been bullied all through school, treated like I’m scum by the government, and my own family looks at me with contempt.
All I do anymore is sit and cry. When I try to talk to anyone it’s always “What do you have to be depressed about.” I can’t afford to get help, the government keeps denying me help because my parents aren’t complete assholes, and every place I apply to looks […]
My over zealous wife signed me up to do a relay marathon tomorrow evening at a zoo. Â She is hoping to break me out of my “funk”. Â Maybe I will jump into the gorilla pen and they can get the life insurance.
I have been off work for two days with a migraine. I work away from home so I can’t even be with “loved ones” when I am like this. I have no one to talk to when I am away and am getting so very tired. Thankfully I work in a job where killing myself is very easy and can be an “accident” so that someone will still get my life insurance. I have thought about killing myself so many times it would be strange to have a day without those thoughts. I don’t know why I feel this way, I have a loving family, […]
so here is my story. i have suffered from major depression for more than 30 years. i first remember being suicidal at age 9. my middle school has 3 stories and i would look out the window wondering if the fall would kill me. never tried and never told anyone about those thoughts. tried the pill and cutting thing in high school. i also drank a lot. in college my dorm was 10 stories. i lived on the second floor. thought about jumping from a 10th floor window everyday. never told anyone about those thoughts either. after being married for just a year some heavy […]
This has been such a bullshit day. I have no idea why I woke up in such mental pain…could it be the recent separation, the two kids that are grown and on opposite ends of the globe, the fact that my life is just completely fucked….Or maybe its hormones. A drug reaction to the antibiotics i’ve been on. No, I just wanna die. I have to wait until my daughter is out of college and I know she is happy or settled or something, so that she will have her own life situated and can go right back into her own life, after my death […]
Where Help is an illusion… LewisGale Medical Center
1900 Electric Road
Salem, VA 24153
(540) 776-4000
If you do not have health insurance, you need to know the following before calling a hotline or asking for help.
You may be sent to a hospital against your will. You are placed in handcuffs and possibly shackles. Your life will continue to get worse. Hospitals are businesses and want lots of money. The stay is about $2000 a day, not including doctor fees. You pay more than the negotiated rates of insurance companies. You want to die. A five […]
My deal is odd, even I see this. I am not angry or sad nor do I hate anyone or have anything to blame of anyone. I am simply bored with life or tired of it, I find my self excited over the thought of finishing the final chapter in life however I do understand once I am gone; My wife will be heart broken as will the rest of my family so when this happens I need to make sure they are taken care of (financially) which may bring them a sense of relief and make the mourning process more bearable. My […]
A couple of months ago I was telling: “I’ll wait two years, so I can at least exploit a life insurance and give some money to the people I love”.
A month ago I was telling: “I’ll wait at least my birthday (in august), it will be at least a message”
Now I’m telling: “Why should I wait a month? Who cares? Ten days to close all the things I have open”
I’m glad there is a forum like this that I can relate to. I have a wife and 3 kids and I am 30 years old. I’ve been thinking of suicide for years now and over the past few months have gotten past this weird barrier that I had before. I was so cautious and scared to kill myself before and now I feel like nothing is stopping me. Sort of like a green light. Now I don’t obsess about it as I used to and have moved onto phase 2 in finding the right way to do it. One thing I learned is that […]
This will probably be somewhat incoherent. I apologize in advance for that.
I am 25 years old, and just graduated from a university with a degree in music. I took out nearly $60,000 in private student loans to get the degree, to say nothing of the federal loans.
My job prospects now are no better than they were when I was in high school, and are in fact worse, thanks to the economy and my foolish, self-indulgent decision to get a music degree. The worst part is that my family cosigned on the private loans, and they’re going to destroy their credit along with mine. I could […]