I’ve always heard it said that getting approved for health insurance is difficult, while getting approved for life insurance is relatively easy. I’m not sure what to think about that. In my experience, this adage seems to be true. My husband and I haven’t been able to find affordable health insurance, but we did get approved for life insurance. A giant packet of approval arrived in the mail yesterday.
There were two large, fat, envelopes waiting for me in the mailbox. These were the definitive signs that both me, and my husband, had been officially approved for our life insurance policies. Finally! It was quite a relief.
So, today, I thought I would open up the big fat envelope of life insurance approval, and find out what was inside. The envelope is about the same size as a piece of printer paper, but much thicker. I assume this was so the insurance agent wouldn’t have to fold up whatever information was placed inside the envelope. There is a sticker on the back, holding down the flap, that says “Ask me about life insurance”. That’s ironic.
Almost all the papers inside the envelope a held together by a large, red, plastic binding. First, there is a small pamphlet that says “I Am Your Policy”. The overly dramatic presentation of what a life insurance policy is, in first person viewpoint, makes me giggle hysterically! The first full page lists some details about the life insurance policy. I have 30 days to look it over, and should contact my insurance agent if anything looks wrong. Fortunately, it all looks correct. I now have copies of all the forms my insurance agent read off her computer screen. A copy of my electronic signature is on the last page.
Following this, I have a copy of the health questions that the underwriters asked during our 20 minute telephone interview. Each question has been marked “yes” or “no” based on whatever answer I gave. Interesting! I never thought I would actually see a copy of this.
The last thing in the big envelope is a smaller envelope. It says “Confidential Lab Results Enclosed” and “To be opened by the client shown above”. My name appears in the small plastic window above these warnings. This envelope is tightly sealed, and I struggle to open it. Inside, is a bunch of numbers that indicate what my blood and urine contained, or did not contain. I can now, officially, state that I do not have HIV or AIDS, but, this is not a surprise. From what I can tell, I seem to be pretty healthy. This must by why I got approved for life insurance.
Image by Aranami on Flickr