Christine you sound like I do my husband is terminal and we are trying to insurance together for our family as well. Life insurance we took out before he was diagnosed has a two year clause before death almost there, what really agrevates me is in the manner that his employer treated him after 27years of service and they let him go for a made up reason at the time he was not this sick and still going to work everyday but we took out Cobra also and I had to go on mine at work it really cuts the paycheck its bad enough to know you have Cancer but then you have to fight for your job and respect too. Bobbie