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PCOS and Life Insurance?? REALLY??

futurehuberfuturehuber member
in Trouble TTC
You've got to be kidding me, I'm in the process of applying for life insurance and found a good, cheap quote with a company and they did the medical underwriting and all of that and I just got a call that my rate went up from like $11 a month to $19 a month because I have PCOS????  I mean I know $8 a month isn't a lot, but it adds up annually and over time...and it's just the principle!  That's great, because I was looking for more ways to spend money due to my IF issues.  IF can suck it.  Vent over. 
TTC #1 since Sept 2011
Me: 33, DH: 35, DX: PCOS & MFI (low everything)
IUI #1-3 - Low Post-Wash Counts - All BFNs
IVF #1 w/ ICSI: Long Lupron Protocol - Freeze-All Cycle due to Severe OHSS
ER 4/27, 33 Eggs Retrieved, 13 Frosties
FET #1 6/5, Transferred One Perfect 4AA Blast, HPT BFP @ 6dp5dt
Beta #1 - 209, Beta #2 - 508, Beta #3 - 1,059
EDD 2/20/14
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Re: PCOS and Life Insurance?? REALLY??

  • YouMe&BaxYouMe&Bax member
    That is horrible!!! IF suuuuuuuuuucks!! I'm sorry :(
    Me: 30, DH: 40 
    TTC since January 2012HSG & Bloodwork: Normal, SA: NormalDx: Unexplained Infertility 50mg Clomid + TI = BFN (three cycles)
    50mg Clomid + trigger + IUI = BFP (one cycle)
    Beta #1 (12dpo) = 49  Beta #2 (14dpo)= 149

    Expecting g/g twins Oct '13


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  • MJ14323MJ14323 member
    That's crazy. I'm sorry.  We started looking to get more life insurance...I wonder if mine will go up because of DOR.  Who knows.

    **SIGGY WARNING**

    TTC since Nov 2010 | Me: 29, DH: 31 
    DX - Severe DOR, Stage II Endo
    6 rounds medicated TI, 3 failed IUIs, 2 failed IVFs
    After nearly 4 years of trying, our 1st BFP on IVF #3 (5R, 3M, 3F, 3 day 5 blasts frozen) 
    FET - Beta #1 - 116, Beta #2 - 266!! 1st U/S on 10/6 - HB 121 and measuring perfectly! EDD 5/30/15

    Everyone Welcome
    Baseball, Beagles, Beer and Babies Blog

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  • sundowner85sundowner85 member

    OMG that sucks. I would shop around and see if a couple of different company's can give you free quotes. When we applied for life insurance a couple years ago (right before starting TTC since we of course thought we'd immediately have a kid to take care of. Naive!) we were SO sure that we'd get a high quote for DH because DH is obese. But because his blood work was perfect he got the "normal" rate. Some companies are more strict than others about different things and this one was cool with him being overweight as long as he didn't have a diagnosed health problem. Alot of women have PCOS so I bet there might be a better quote with a different company...?

    Sorry! I hope something works out, but if not then that $8 is still worth it. Life insurance is important IMO. 

    TTC from May 2011 to Jan 2013. Due 9/11/13
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  • jjdale288jjdale288 member
    That sucks!!

    Anniversary

    <a href="http://www.thebump.com/?utm_source=ticker&utm_medium=HTML&utm_campaign=tickers" title="Getting Pregnant"><img src="http://global.thebump.com/tickers/tt1b3729.aspx" alt=" BabyFetus Ticker" border="0"  /></a>

    Married 8/21/2010, Off BCP April 2011, Started TTC 10/2011

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  • DebateThisDebateThis member

    Major suckage.

    I'm assuming, though, that it's not necessarily infertility related and more in relation to the chronic pre-diabetes/diabetic complications for many (if not most) people w/ PCOS.  It still sucks.

    Six years of infertility and loss, four IUIs, one IVF and one very awesome little boy born via med-free birth 10.24.13.
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  • futurehuberfuturehuber member
    Thanks for commiserating with me.  I was having one of those days and that call just pushed me over the top!  I thought about the diabetes thing too...still sucks!
    TTC #1 since Sept 2011
    Me: 33, DH: 35, DX: PCOS & MFI (low everything)
    IUI #1-3 - Low Post-Wash Counts - All BFNs
    IVF #1 w/ ICSI: Long Lupron Protocol - Freeze-All Cycle due to Severe OHSS
    ER 4/27, 33 Eggs Retrieved, 13 Frosties
    FET #1 6/5, Transferred One Perfect 4AA Blast, HPT BFP @ 6dp5dt
    Beta #1 - 209, Beta #2 - 508, Beta #3 - 1,059
    EDD 2/20/14
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  • sarah_e87sarah_e87

    imagefuturehuber:
    Thanks for commiserating with me.  I was having one of those days and that call just pushed me over the top!  I thought about the diabetes thing too...still sucks!

    It's not just because of the diabetes/pre-diabetes thing. PCOSers are also at an increased risk of heart disease, obesity, endometrial/uterine cancer (if pcos is left untreated), high BP, etc. Most of the health risks that are associated with PCOS are related to untreated/unmanaged PCOS. I'm still sorry to hear that your rate nearly doubled.

    Me: 25
    Dx PCOS (June 2006, re-confirmed March 2012), Anemia (May 2010-Still fighting to correct it), Fibromyalgia (May 2011)
    Initial b/w - normal
    HSG (March 2012) revealed right tube open and looking great. Left tube deformed with hydrosalpinx.
    Lap (April 2012) Removal of left fallopian tube. Right tube open and viable, but "rather enlarged." NO evidence of endometriosis...Uterus looks beautiful and "very capable" of carrying a pregnancy!
    October 2012 - Clomid 50mg + trigger + IUI = BFN
    With all factors taken into account, RE is recommending IVF. Planning on moving forward with treatment as a single woman using DS by Summer 2013.
    After 17 months of trying, Surprise BFP #1 2.15.2008 | EDD 8.7.2008 | Lost 2.16.2008
    After 2 more years of trying, Surprise BFP #2 1.29.2012 | EDD 9.11.2012 | Lost 1.29.2012
    Surprise BFP #3 3.27.2012 | EDD 12/2/2012 | Lost 4.1.2012
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    someecards.com - Get a colonic?!? Some older lady said that's what she did to cure her infertility...Who knew a fancy enema and a sparkling clean ass would cure my infertility.
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