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Oops, Lyn. My bad. I thought this thread was about wet dreams a/k/a nocturnal emissions.
Lyn, if that's your picture in your avatar, please post pictures and phone number!
Don't pre-think something like this, Lyn. Call the underwriter and see what they have to say. If they say 'bad' call another outfit's underwriter.
Be the insurance broker; not the insurance company.
Fisher, you're right. That's exactly what I'm doing. Thanks for the help.
My Wife is a Hater. No Sympathy. All I get is "Jeezus, Go to sleep!" I try to explain that I could die, All I get is "Yeah, Yeah not this time buddy"