Larry,

I'm also with the government and was thrilled to see this chance to increase my coverage with no exam or questions asked. Three and a half years ago, while we were in the midst of dealing with surgery and doctors appointments, we missed a payment on my other life insurance policy. They would not reinstate my insurance without me re- applying. Naturally, they turned me down.

I buckle-up every time I get in my car but don't intend on getting in an accident. Same goes for the insurance, I have it but don't intend on using it!