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It’s Life Insurance Test Day!

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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.


A trip to the emergency room… without insurance.

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I was CERTAIN my husband would be healthy and accident free until he received healthcare from his employer. He started work in mid-January and was promised coverage by February 1st. I was finally starting to feel at ease about his healthcare issue.

When my husband called me from work on Friday to let me know he had injured his eye and needed urgent care he mentioned…he had no healthcare coverage.

His employer had failed to send the application.

We panicked. Goodbye tax refund. Possibly goodbye house…goodbye car… goodbye right arm.

Thanks to some quick thinking on my husband’s part, his was rerouted to the hospital at his school rather than to the local emergency room.

A few hours later he was bandaged, drugged, and… bill free. Because he is an active student, he is given certain medical care for free. Whew!

For those of you who attend, or have children who attend, large universities, consider researching the medical options available. It could save you a bundle.