Can you imagine if you had to research different high risk life insurance policies? When life takes a turn for the worst, where do you go?

I have always found that insurance (mainly health insurance) companies are famous for inserting pre-existing clauses in their policy. Meaning, if you have a pre-existing condition they either wont cover it ever or will cover it after a certain amount of time (6 months to a year). The world of insurance is extremely confusing to me at times. I still get a headache when looking at our medical bills. Saying over and over again to myself…. “Isn’t our insurance supposed to cover this?” Then, I shake my head and realize that this is all a game that I do not understand. Even if I do read the little manual of coverages over and over again.