From: my2cents@worth.ca 
  
 snipped 
  
 Thanks all, for clarifing the change. 
  
       One thing that no one has mentioned, is it possible that changing 
 to IRM from CAR would be considered a new policy by SISIP, and if you 
 have new health problems they could all of a sudden deny you coverage? 
   Saving themselves hockey socks full of money and leaving the member 
 out in the cold. 
  
      I attempted before my medical release to increase my coverage on me 
 and my spouse, and due to our problems, PTSD related, we were denied the 
 increase in coverage.  Mortgage insureance was denied by our bank for the 
 same reasons. 
  
 For these reasons I will not change. I don't want to lose what I have. 
  
 No matter what they say! The bottom is all really care about. 
  
 Food for thought, Bob 
  
  
  
 "Man will never be free until the last king is strangled with the 
 entrails of the last priest." -Denis Diderot (1713 - 1784) 
  
 --- SoupGate-Win32 v1.05 
  * Origin: you cannot sedate... all the things you hate (1:229/2)