This is not a post for the newly diagnosed.

I have finally begun gathering up information about what i may have following my death. I have a couple of life insurrance policies and discovered something that i would like to ask you all about. I've borrowed against my policy a couple times and the dividends pay the interest on the loans so i'll still end up with a decent amount n o m atter when I'm gone. in addition, they pay the premiums because i am disabled and it's essentially free money.

To cash it in however, you need a doctor to say you will die within the next 12 months. So they basically will pay for the nursing home for a year, maybe- don't think it's enough but it wll get thrown in the pot,

Parkinson's is different.i have had it more than 20 years and its likely that i could die tomorrow or in a few years. shouldn't they have a clause that says we could die at any time? it's not my only policy and i want to live debt free. anyone else -checked into their life insurance?

too off to edit