Lots of questions! Please help!

Hi! So my husband and I want to get life insurance.

Information:

We are both 30

No kids (but planning for it in the next ~5 years)

We have a mortgage, which is the main reason we want life insurance at this time

So here’s the issue: We recently tried to get health insurance and after our medical exam it was insanely expensive. I would be $150/month and my husband would be $350/month. This was for a $500K term policy (apologies if my wording is bad—this is new to me). This seemed really high to me?

My husband said we HAD to tell the truth about everything in our medical questionnaire. So he reported smoking a single cigarette in the past year and I reported hitting a friend’s vape on a single evening in the past year. Neither of us tested positive for nicotine, but we still got tobacco rated. We are not regular smokers at all.

I’m annoyed because I feel like we definitely should have lied, but he was concerned about the policy not holding up if we did. Please do not hurt my feelings even more by calling us stupid or naive for being honest—I already know we are those things.

Otherwise, our vitals were all within healthy ranges. Neither of us are overweight. We don’t drink often, though now that I think of it, I don’t even think they asked about that. I take medication for ADHD and I did have surgery for carpal tunnel (both of which were specifically asked about in our questionnaires), but they said that did not affect my health rating.

So what do we do now? Can we get another quote from another insurance company? Are we already in some kind of system as nicotine users? Is my husband right that we absolutely cannot lie about ever having using nicotine products? Are we just never going to be able to get life insurance because we are such hard partiers (lol) and dedicated truth tellers?

Thank you!

submitted by /u/purrrrrrrrrrty
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