Damn, that’s a horrible diagnosis. Sorry.

But, as others have said, love insurance has a shit ton of escape clauses because they don’t want to pay out. It isn’t enough to be dead necessarily, the manner and/or cause of death can be a factor.

Bank accounts are easier because you can just add people in to have access. Usually some hoops to jump through, but doable. There’s also power of attorney, which helps with more than just bank issues.

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My plan in the event of that diagnosis is to find some forest and get lost before I forget how to get lost.