Uninsurable

When Jeremy was only a few months old I applied for addition life insurance beyond what was available through Chuck’s employer. I felt it overwhelmingly necessary to have more than “enough to bury me.” After the healthy history, blood work, and medical records were submitted, I was shocked to discover I’d been denied life insurance. At 25 years old, I was uninsurable.

That was a form of rejection I’d not yet experienced, and honestly I was offended. Not only had my body failed to produce a child, now it had failed to protect the child I’d adopted if I were to die. Thanks a lot, body.

Chuck and I maintained my puny coverage through his employer and it’s been that way for ten years. However, it’s been a burden on my mind for a long while to try again for additional term life insurance. A few months ago, I started the process. And by months, I mean that I started the process in November.

The company is still undecided. For every mark on my medical record, they have requested more information. I have pulled records from primary care physicians, endocrinologists, gynecologists, and more recently, dermatologists. Yes, I’ve got medical stuff. We all have medical stuff. But am I really still uninsurable? Do my marathon and half marathon medals mean nothing? I’ve never had a major surgery, I’ve never broken a bone. I’m not asking for a million dollars. I am just asking for a little cushion should my life end sooner than later so my husband can care for our kids. I’m keeping my fingers crossed, but I’m not overly hopeful.

In other news, it snowed again this morning. Happy Spring Break, boys! Let’s turn on the fire place!