Life is unpredictable, but we strive to live a long and fruitful life. Well, at least I do! I can never know what is going to happen today, tomorrow, next week, or next year. No one has that ability, and if you do, then please give me the lotto numbers :). As a college student, all I wanted to worry about was what I would be doing to make money. Money was on my mind because that is what our economy runs on. I just wanted to get that paper in any way possible. I was money hungry and didn’t really think too much my future.
That all changed when I met and married my wife. I had to think about another person. I couldn’t just do what I wanted with no regard, because that wouldn’t be fair to her. Luckily for me, my employer offered me a basic life insurance plan. I thought I was all set. Why would I need anything more than what they were providing me? I was being a little naive.
My naivety increased after the birth of my son. As any parent knows, there is just a whirl-wind of things to do. A new routine has to be established and we have to think about everything besides ourselves. My main focus is now my family. I want to make sure that I provide for my family with the best of my ability and make sure they are taken care of for life.
Having said this, I am lacking in my life insurance coverage. I have to stop making excuses and just get my new coverage. While I don’t like having to add another bill onto my plate, I think life insurance coverage is a smart one to have, especially with a family. This is really the only way I can make sure they will be take care of if I am not around. I have learned quite a bit about life insurance coverage due to all of the great blogs that I read, but I need more. There are many great resources for those in the US, but please check your local resources, like LifeBroker in Australia.
I have to admit there is one caveat to my plan. It is not the zombie apocalypse that you might be thinking of, but something a little closer to home. I have a medical condition that will never go away and that is something that I deal with each and every day. Now, it doesn’t bother me much and I am still in good health, just not in the eyes of insurance companies. I have looked around for life insurance and have had physicals. Once I get the rate, I feel let down. My rate is super high due to my medical condition that I have no control over. I can’t change it and it won’t go away, but I have to pay much more than a person my same age who is in good health. I am finding it quite unfair, but I have to deal.
My next goal is to figure out how I can reduce my rate based on my condition. I want to get in better shape, so I can get the best rate I possibly can. I think it will be smart to wait a few months until I can improve my overall health and make it the best that I can for the test.
What do you think? With the potential of a high rate in front of me, should I wait until I can lose a little weight and make sure I am at the top of my health class? It should only take a few months, but it will require dedication. Do you know of an insurance broker that deals with medical conditions? I would love some names.
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