u/HeyJakeyBaby

Over the past year I've been shopping for term life insurance and wanted to share this in case anyone else is too. I could write a book on the frustration I've had trying to convince insurers that my 3mm AN is not going to kill me, especially after having it successfully treated via FGK radiosurgery 8-years ago (when it was also 3mm).

I had read that Pacific Life was especially understanding of acoustic neuroma's so when my insurance broker suggested we get a quote from them, I was excited that finally maybe someone will give this otherwise healthy 60-year old a decent quote. Not to be. Pacific Life responded that because I hadn't had my 3mm AN "completely resected" I was at high risk and while they would insure me, the price they quoted was so astronomically high they should have just said no and spared me the insult.

Try arguing the finer points of AN treatment with an insurance underwriter...you can't.

In any case, I ended up having a decent experience with Lincoln Financial and ultimately got insured at what I felt was a fair & reasonable rate although I will say it does take some time for any insurance company to complete their reviews and approve you, which I guess is understandable when you've got a "brain tumor."

One final oddity regarding getting life insurance...through work I had applied for additional life insurance and if you want more than 2x your salary you need to do a medical exam. In 2024 MetLife (our insurer through work) rejected me because of my AN, but just for the heck of it I applied again in 2025 and they accepted me. Go figure. In any case, I guess my advice is if you're looking for life insurance, don't give up and use a broker who can shop you around for the best rates. Oh yeah, and screw Pac Life.

So the good news is we love our 2025 ID4 Pro S AWD. In fact, we love it so much we drive it a lot, and by a lot I mean really a lot, so much so that 1-year into our lease we're at 22k miles, which is 7k over the 15k per year we signed off on.

Now it's not too late to throttle back and get this under control and shoot for something closer to 45k (my wife has a very long commute and we use it for weekend trips & vacations too), but lets assume we're on track for 60k - 65k miles over 3-years, which would be 15k - 20k miles over the 45k covered under the lease.

Rate card for that overage would be $0.20 a mile, or $3k - $4k, which isn't the end of the world I guess, but are there other options?

I've heard of the "mileage sale" VW often offers mid-lease, where you can get miles for $0.15 or thereabouts. That's cool and saves us a few bucks, but are there other options?

Would like to hear what this board thinks.

Our buyback at end of lease is approximately $27k, and although we love the car, IMO that's not going to look very appealing come the summer of 2028. We will want another EV and very possibly another VW EV, but our main concern now is to understand what the smart move is here.

Thanks!

Need some advice as this is driving me nuts.

1989 240DL, 170k, well serviced & taken care of. Runs great until it doesn't. Lately after a few miles the engine just cuts and dies. No warning. Won't restart until it sits for a few hours or overnight. Fires right up again no problem, but then it happens again.

Replaced the fuel pump relay & even laid down a new layer of thermal paste behind the power surge, and while that seemed to help a bit (could also be my imagination/wishful thinking), it's still happening.

Any thoughts here?