We are in need of Life Insurance but been having a problem getting excepted for my Husband. he had Life insurance from his work until last Jan. and they switched Companies and they dropped him . you see he has kidney disease and has had two tranplants plus he is a below knee amputee. the transplant was 12 years ago. and his checkups shows he is doing very well.. any Good Company names would be very helpful we have tried so many and gotten turned down or there premiums are so outragous we can't afford them.. thanks in advance..

Ah, yes, well, he's high risk.

You need to find a local, HIGH RISK life insurance broker. Ask your car insurance agent for a referral.

It's going to cost A LOT. Life insurance is a bet, and the odds are AGAINST your hubby making it another 20 years, so expect to pay, oh, maybe $15,000 a year for a $100,000 policy, for a 10 year term. If you're looking for something that's going to be $500 a year for a half million, well, those are HEALTHY person rates, not transplant rates.

Define your goal, what you want the life insurance to accomplish. Then sit down with someone, and see if there's a CHEAPER way to get to that goal, than life insurance.

Try Gerber. They usually advertise children's life insurance, but they do adults too. I don't know how they will be with your husband's health issues but you can always check them out.