dammit.
I've been sitting on some annoying news for a while (literally. The unopened letter had slipped under the couch cushion, and I discovered it today while straightening up the living room).
First, a little background information. For the past 3.5 years, I've worked as a consultant for my former employer in Massachusetts. It's been a great arrangement but, as a consultant, there is no health or life insurance. That's been manageable because my husband's employer offers health insurance.
This summer, when my father in law passed away, I had my first glimpse into what happens when someone dies and a funeral has to be paid for. I learned that a life insurance policy - even a modest one - is a really good thing. Trust me, you don't want to die without a plan and funds in place for burial or cremation. It just adds a totally unpleasant and unnecessary element to an already difficult time for your family.
After the funeral, John and I started having conversations about what to do if I die (with every conversation prefaced by "I don't like talking about this.") If something does happen to me, I don't want John scrambling to cover funeral expenses. So he investigated his benefits and learned that, for a few dollars a month, he could purchase a small ($10K) life insurance policy for me. No physical required.
As you may have guessed, the lost letter was a rejection from CIGNA, based on my height to weight ratio and the fact that I have diabetes, and take insulin, "as reported" by me on the application.
Sigh.
I know it is possible to get life insurance with diabetes, but this rejection has me a little bummed out. I can do something about the height/weight issue but last I heard, the diabetes will be sticking around for quite some time.


