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It’s Life Insurance Test Day!


After deciding to take out life insurance, I spent some time searching for a good inexpensive policy. I finally found one and set up the required physical exam.

I was terrified to get the exam for several reasons:

1. Thanks to my foot injury, I haven’t been running in weeks and I swear my muscle tone is decomposing by the hour.
2. In an effort to avoid high readings in cholesterol, I was to avoid Mexican food, sushi, and beer. Perhaps this would have been easier had I not lived near the ocean just north of the Mexican border. No Mexican food or sushi? That’s like asking a San Diegan not to eat.
3. They advised me to get a good night’s rest the night before the exam. Hmm. This may have been easier had there not been a 5.7 earthquake at 9:30pm last night followed by aftershocks until 2:00am.
4. I have a completely irrational fear of needles.

Upon arrival, I started shaking and sweating. The examiner asked me twice to please stop shaking, otherwise he wouldn’t be able to get the needle inserted in one shot.

I thought, ‘Yeah, because the shaking is voluntary.’

Halfway through the draw, he looked at me and asked, “Are you OK? You look extremely pale…well… more pale than you already were.”

Gee, you’re full of compliments today aren’t ya?

He finished the draw and by then, the room was spinning…and I passed out.

Yup folks, that’s me. 30 years old and I still act like a 5 year old around needles.

I’m glad it’s over.


  • Reply Jeff |

    Fear of Needles is nothing to be ashamed of. I am 28 and am afraid of the dark. Now that’s 5 years old for you.

  • Reply Jenn in Michigan |

    I actually like to watch when they draw my blood, but if I come across more than one bug at a time I freak out.

    I didn’t realize how good I have it, I have two life insurance policies through work and I’ve never had an exam, we only pay based on age. When I reach my goal to become self-employed in a few years, I better be fit.

  • Reply Someone |

    I hate needles myself. But I make my kids get shots if needed. :\

    I got term life insurance in the last couple of years and had to get blood and blood pressure tests. But I had to fast for atleast 12 hours before the testing. I got white coat syndrome but the nurse was nice and took multiple readings of my blood pressure to see how normal it really was.

  • Reply Lynn |

    I was deathly afraid of needles until I had to go through fertility treatments. I was pricked and prodded way too often way too much (but it was so worth it in the end)

    Jenn-my husband has 2 life insurance policies through work too – they offer a minumum coverage at a certain cost (I think its 3x his salary) and if you want higher coverage you have to go through the physical exam.

  • Reply Jen |

    Well, you lived to tell about it 🙂 But lots of people freak out over needles. I had a bf who couldn’t even watch any scenes involving needles on TV. Just seeing a needle made him queasy. So, you are not alone…

  • Reply rj |

    Don’t worry about it – I’m 40 and I still can’t watch my daughters get a shot or have blood drawn withough being ready to pass out. I was supposed to go with my younger sister as support for her lasik procedure and just about passed out in the waiting rm and the nurse had to ask if I was ok.

  • Reply Evan |

    Congrats on taking the huge step. It was a MESS when I had my wife do the test. The guy and I had to wait 20 mins before the stage fright went away for the urine!

So, what do you think ?