Who did you go to–Louie’s Insurance Co.? True, your risks would make you ineligible for a year or too, but that’s temporary. More to the point: how old are you? Are you married? How many children and how old? Who are you protecting against the loss of your income in the event of your death? If none of the above applies, you simply don’t need life insurance at all. The object of this life is not to make somebody else rich when you die, you know.

You are not being “penalized.” You are being charged according to the risk you represent (voluntarily, in your case).

lifeinsurance.awardspace.info – try this one. I have their insurance and, as remember, they can provide such a service.