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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.

Let’s talk about life insurance…


I’ve never looked in to life insurance before but I’m at the point in my life that an unexpected death could ruin the finances of those I love. After a few months of nagging from my husband, I finally made the call to our agent.

If you haven’t searched for life insurance before, here’s a quickie…

My insurance agent now knows more about me than my husband. Yup, it can be that personal.

They asked questions about medications, smoking habits, age, height, and weight. When I answered the weight question, my agent replied, ‘According to our system, you are 13 pounds underweight.’

‘I’ll buy it!’ I shouted.

Hmm. Perhaps computer generated flattery isn’t the best reason to purchase insurance…but I won’t judge you if you consider it part of the equation.

Once we sign the paperwork later this week, our agent will send a nurse to our home to ensure the accuracy of the information submitted and to run tests on cholesterol, blood sugar, and blood pressure. While my blood pressure has always run very low, I’ve never had my cholesterol or blood sugar measured. I guess this means I will be eating spinach and blueberries while running for the next 5 days.

Things you should consider before getting life insurance:

1. Have a goal – it will help you figure out how much you need. Know what you want to fund with your insurance proceeds. Do you want to pay off your mortgage? Fund your kid’s college? Provide income replacement for your spouse?
2. Buy it sooner rather than later. Life insurance makes significant jumps in five year blocks. If you are about to hit 30, 35, 40, 45, etc, get it before you do.

3. Research the type of insurance you need. My husband and I settled on Term life insurance with a fixed premium for 30 years. It’s cheap, especially for those in good health, and will provide the peace of mind we need while we are trying to reduce debt.

4. Quit smoking. You should quit smoking for lots of reasons, but smokers pay exceptionally high premiums.