Dear Liz: My husband doesn't qualify for term life insurance because he is overweight and pre-diabetic. Although he's working on getting in shape, I'm afraid something might happen. I should add we have a 3-year-old daughter, and he is the main breadwinner.
What would you suggest we do to ensure we are covered if something were to happen?
Answer: Just because your husband was turned down by one insurer doesn't mean others won't accept him. Even people who are obese or who have diabetes can find coverage, so your husband shouldn't accept that he's uninsurable.