we are able to compare apples to apples in our situation. my husband is still employed with the same national company. we've aged a little bit. we're on the other side of 50. but no major changes in our lives. but our insurance life has drastically changed. the good coverage that we couwe able to have is no longer available. there is a lesser tier of coverage available at a higher cost. the out of pocket is much higher. the -- it is so high for some people that they are offering a gap coverage. in $15,000 and $30,000 increment hes. so that if you do become ill, have a heart attack, have a stroke, you're not going to dip into your retirement savings or lose your car or your home or tell your kids they can't go to college. >> what about you with your pre-existing condition and the fact you had cancer? >> life insurance is not an