Wednesday, June 27, 2018

Yet another rejection

I was raised to always do the right thing. Now, while I know that's always the best choice and the most positive thing I could ever do, I don't always do it. I'm human. I make mistakes. Some of them are humongous and I own them, even though I'm not proud of them but sometimes, making the right choice isn't as easy as you'd think. Sometimes, others make the choice for us.

The future has been on my mind a lot lately. There are so many things I want to accomplish before I leave this world. Being the responsible adult that I am, I've also been thinking about ways to leave my husband well taken care of in the event I am the first to depart, that's why I made the choice last week to apply for some life insurance.

Funerals are expensive and it seems no matter how much you prepare ahead of time, there are always unexpected expenses that arise after a person dies. Even when deciding on a low budget funeral or choosing cremation, there are expenses that will be incurred. And while most people think they have enough coverage, most of them do not.

My ceramic urn
Last week, we attended the death of an uncle and that's what started my thought process. I began to wonder, should I die in the very near future, if my husband would be able to give me a proper burial. I don't want anything fancy, in fact, I've already mentioned my desire to be cremated. I've even picked out my urn - it's a lovely turquoise ceramic container, complete with scuffs and scratches. I bought it at a props sale held by my former employer. Many of the items on sale that day were from past passion plays the drama department had put on for huge audiences in downtown Atlanta. I felt blessed to snag a piece of history and also felt inner glee knowing that piece of pottery would one day hold my cremains.

Anyway...talking about death and funerals can be quite depressing so I'd best get back to the subject matter for this post.

Two well-known insurance companies sent me mailers last week. Both of them offering insurance policies at reasonable rates. One of them claimed no person would be turned away regardless of their medical condition. The other had an application attached to it and said they'd base their decision on the answers provided by the consumer. I wanted to do the right thing, truly I did, so I filled them both out and sent them off. Crossing my fingers, I hoped one of them would approve me.

Yesterday, I received a letter from the company that had provided the questionnaire. I'd answered the questions truthfully and to the best of my ability, so I wasn't surprised as I began reading the first line after the letter's salutation - "We regret to inform you, based on the answers you provided to our questions, that we will be unable to offer you insurance coverage because of your history of cancer."
Handcrafted in Italy, look at the detail!
Well, how do you like them apples????

With that rejection in hand, I wondered if the other company would hold true to their word and offer to provide me with coverage no matter my health condition. Time will tell.

It would be nice if the insurance companies would do the right thing and provide coverage to anyone willing to pay their premiums. So what if I had cancer! Sure, I'm no dummy. I know it could come back at any time, but hey...I still need insurance coverage people.

So what's a girl to do? I have my urn and that's a plus. Hopefully, I can get coverage before I kick the bucket so hubs won't have to sell all his belongings to make sure I have a nice funeral. Oh well, if I don't get it, I'll just tell him to bury me in the backyard, there are lots of places back there that would be perfectly suitable. I especially like that big oak tree on the corner of our lot...

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