So I had a real swell conversation this morning with a buddy of mine about purchasing term life insurance. I’ve sort of put off said expense for a number of years for no reason in particular. That’s not totally true. I’m lazy. That is the first an foremost reason. I am too lazy to do the adequate research necessary to make an informed decision about the type of investment I need to make to ensure my loved ones are cared for financially in the event of my untimely demise. I’m kind of asshole like that.
Recently, I discovered my workplace actually has life insurance that can be purchased which leaves all the decision making to someone other than myself. I thought “sure. why not?”
So my wife and I fill out a few pages of paperwork and that was that. Not so fast my friends. We got feckin’ denied! We’re 40 and 41 years old. WTF?!
So obviously the insurance carrier thinks we’re a big enough risk to die that they don’t want any part of our disease ridden asses. I’m going to go ahead and blame my wife because I’m in denial, but still, what am I supposed to do as a widower with two kids ages 2 and 9? Huh? Did she ever stop to think about that? Couldn’t she have the decency to wait until the young one was at least 18? And now with this news from the insurance company, I can’t even get in on any of that phat dead spouse cash that everyone is raving about.
Getting old sucks.