out? I likely am fatally ill and have some decisions to make. i had a big life insurance policy through work, but i think i'll need to come up with $700/month to maintain it. it sounds like a lot of money, but even if i survive another decade, which does not seem likely, its worth it to my beneficiaries. i worry that we'll miss a payment and the insurance company will cancel and nobody will get anything. i want my kids to be able to put a down payment on home and education. when i call the insurance co they ask if i have a claim number. i say, well i don't think i'm eligible for a claim, seeing as i'm not dead! i'm worried they'll weasel out of paying one way or another.Anybody have insight or experience with life insurance claims?