Maybe it's not just the clothes

If you've read any of my older posts, you know that I've said I'm in it for the clothes.  And I am.  I really, really want to wear cool clothes. 

But there's more now.  We've been working on an estate plan.  It's an exercise in worst-case what if.  The joke is, I have nothing (long story).  But I need some life insurance.  I had some in a previous life, but I got divorced, and there was no need, and you know the rest.

I got turned down for life insurance a year ago.  Why?  Height and weight.  (It pissed me off, because I went through the physical, and then they turned me down for threshold information they'd already had.)

I decided to try again, though, because my girls need me or they need money.  And I found some.  It's pricey, but I'm good.  Here's the bitch of it:  If I weighed 60 pounds less, I'd pay $100/month less.

I'm a good maintainer, but I'm going to lose that 60.  I'll drop a few sizes, too, and that will make me happy, clothing-wise.  And then I'll get the policy re-written.  Maybe this is what I need to be less complacent, to hit the gym early in the morning, even when it's cold.

So I'm in it for the clothes and for the babies.

Getting turned down

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.