I once had a bunch of life insurance. Ten years ago, I had a boatload. Then I moved away, became self-employed, and got divorced. I let it go. There was no reason to have it. I was never going to get married again. I sure wasn't going to have kids. I was already pushing 40.
So here I am, several years later, married and with twins on the way. Who would have guessed?
I need some life insurance. Something more than the $50k I have through my job. Happily, I received in the mail a solicitation for group term life insurance through my alumni association. I applied. The basic application asked for medical history, height, weight, that kind of thing.
They sent a guy out to take more history, draw blood, take a urine sample. Typical.
Then they turned me down. Why? Height and weight. I'm too short for life insurance. What I don't understand is why I had to go through the process of giving blood (and urine) if they could have turned me down based on the first thing I sent them.
Maybe the thinking is, "He can't be that fat. Let's send someone to see."
I don't know. But I'm annoyed. And I guess I'd better not die.