u/bluehorse1990-

Pacific Life recently denied me due to my mental health history. I’ve had postpartum suicidal ideation and received medication treatment. The application process was a nightmare for both my husband and me, lots of paperwork and difficulty reaching people to arrange medical exams.

I’m interested in Ethos because it advertises coverage without a medical exam, but my main concern is whether my husband and daughter would actually receive the benefit if I died.

Assuming I disclose my medical history fully and accurately, what exclusions, contestability rules, or other policy terms should I look for? Could my mental health history affect a future claim even after I’m approved?

Has anyone dealt with an actual claim through a policy purchased through Ethos? I’d appreciate firsthand experiences or input from people who work in life insurance.

My spouse, our 5 month old, and I are considering moving to Mankato or North Mankato. We’re looking for a newer, smaller home, townhome, or condo in a safe, family friendly area.

What neighborhoods or developments would you recommend, or avoid?

What schools are the best and worst?

What are differences between Mankato vs North Mankato?

Are there any local groups or communities that tend to be more progressive?

My husband and I are considering moving to Rochester from another part of southern Minnesota. We’re a progressive family with a baby daughter, no relatives nearby, and we both work in healthcare.

We’re looking for a place with a genuine sense of community, opportunities to meet other young families, good schools, safe and welcoming neighborhoods, and room for career growth. We’re also interested in Rochester’s culture like local events, diversity, political climate, and whether there’s an active Buddhist or meditation community.

For people who actually live there:
- Does Rochester feel progressive and welcoming?
- Is it easy for new parents without family nearby to build a community?
- Which neighborhoods would you recommend for a young family?
- Are the schools generally good?
- Does the city feel like it’s growing in a positive direction?
- What do you love or wish you had known before moving there?

My husband is a medical marijuana patient due to his medical disease. He is in excellent health; however, our broker is unable to find any companies that will underwrite. This is extremely frustrating and I don’t know what to do…

Anyone else ran into this situation, know companies who accept, or have any advice about this?

My husband (35) and I (36) are shopping for $1 million, 30-year term life insurance policies. We were quoted just over $100/month each through an independent broker, and I’m trying to figure out if that’s in the ballpark or if we should keep looking.

-What are reasonable rates for healthy people our age?

-What factors have the biggest impact on underwriting (weight, family history, medications, etc.)?

-If I lose the 70 lbs I gained during pregnancy, could I reapply later for a lower rate?

-How do insurers typically view daily medical marijuana use? Does it depend on the company?

-Besides price, are there any policy features or companies you’d specifically recommend or avoid?

Is life insurance actually legit?! I just had my first baby and at the age of 36 my spouse and I have decided to sign up for life insurance. However, our quotes seem really high. I’ve also heard horror stories that after someone dies, life insurance is not given because something was missing on the loved one’s paperwork…

How can you tell if it is legit?
What should I look for in this situation?
How do you decide how much?
Are there questions to ask when searching?
Anything else to watch out for?
What about when your health changes 20 years from now. Are you supposed to update it every time a change occurs?

My husband is considering part-time work with UPS.

How long is the waiting period before health insurance starts? Also, if a spouse has access to insurance through their own employer, can they still be covered under the UPS plan?