Originally Posted by
CX500T
There's also a lot of us that can't get coverage outside of company sponsored plans. Either plans exclude for family history, medical history or excludes the things most likely to get us (military flying in my case) And the company spouse insurance flat out rejected my wife because she had a,brain tumor removed. Never mind her prognosis and death probability is baseline person now. (Non cancerous)
I tell this to new hires. You never know what life has in your health future (dealt with blows that make insurance companies laugh at the thought of coverage). Get a healthy term policy when young and at DL get the optional max. As you get older and closer to “self insured” you can lower coverage. For the long term mil guys, the important thing is to pay your company premium when out more than 60 days. It’s cheap, but if you don’t pay it while out on mil the company coverage drops to only $50k. It’s not expensive but can be a costly mistake.