Yes, Bernice, just a reminder to people to not be too hasty when cancelling any insurance. This would include life insurance, health insurance, accidental death insurance, etc.
My daughter has been a Type I diabetic since she was 27 and she is now 41. She just lost her job and is on COBRA. She is single, so there is no husband's insurance to go to. No one will likely take her with already high expenses. There is more wrong than just the diabetes. We will try and help out to make sure she isn't without coverage.
When she was 18, she went off our life insurance policy. I kept a 10,000 policy on her. I have always paid it. With the health problems she has had, life insurance would be very costly for her. Fortunately, she doesn't need much. If she would pre-decease us, just funeral expenses would be all we'd need.
Not too long ago, my husband and i did cancel our life insurance. We had it for several decades. It was getting so the monthly premium was just too high. We don't need insurance if we die. We have out plots already and enough $$ to pay funeral expenses. That was probably a good decision to cancel insurance. Always think carefully. When you're "down and out" no one will pick you up. Lucy