Probably won't be able to get Life Insurance
On Chef. He has high BP and is taking meds for it (shockingly) after several drs told him he is gonna stroke out. He also has an incredibly short fuse and is generally a negative person although he seems to go from deleriously happy to mercurial in zero seconds.
He was brutally honest with the medical interviewer who came over on how much he drinks. She immediately followed the information with: "has a doctor or anyone else asked you to stop drinking alcohol?"
Oh boy. He also didn't like what he saw on the scale. I just stayed in the background folding laundry similar to steplife (LOL) while Chef was getting his tests.
Suddenly Chef is requesting fish for dinner and the frig has fruit in it (I'm a veg person anxiously awaiting my garden harvest).
He did a blood, urine test and BP taken. I can hardly wait to see what the underwriters come back with.
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For future...
Remember most employer sponsored plans are portable once you leave - so it will be guarantee issue (up to a certain amount - same guarantee issue amount as when employed). But you have to sign up within 30 days. HR departments should be providing this info, sadly most are lazy bastards and do not. Ask for it.
Good point.
Good point.
They probably don't tell employess because its less people they have to pay to subsidize and it's no skin off their backs if employees dont figure it out/don't enroll in life insurance....
I chose to go back into the employment world just so I could get employer sponsored disability insurance (for whatever reason, guess I gotta dig to find out, I was declined for private disability insurance) that I knew was going to be guaranteed issue during newhire special enrollement period.
I got both long and short-term and demanded my partner to get it to and threatened him (by telling him I wasn't taking care of his ass AND I probably would peace out if he expected me to cover his bills if he got disabled and didn't get disability insurance)
Oh he immediately balked
At Big Lou because of the commercials about the multiple wives and the "first mistake." He still holds some strange reverence for the Girhippo and his ex MIL Battleaxe Galactica even though they treated him like sh1t and PASed his kids.
The other day he was telling some story and accidentally referred to me by the Girhippo's name! Truly barf worthy.
Disneyland dad 'accidently'
Disneyland dad 'accidently' called me the name of his mini-wife ..... He was lucky he was on the phone or I would have bopped him over the head with a pillow or something.
I love "Big Lou's" commercials!
I love "Big Lou's" commercials! I think they are hilarious!
OMG NOOOOO!!!!.....Only time
OMG NOOOOO!!!!.....Only time you go fully underwritten is if you're super healthy bc insurers are looking for any reason to rate you higher (charge significantly more for premiums ) or flat out decline to reduce their risk.....You should have done simplified issue (no blood/urine) which is slightly higher cost but would minimize the risk of declines and not have all the medical stuff hit his MIB record that now ALL the carriers will see.
Anyways report back on the findings.
If he gets approved - still may want to shop around with other carriers....especially after he loses weight, cuts back on the alcohol, and gets his BP under control
*I am an ins. agent but no I do not know your personal situation, all the details, so this is just based on what you posted here
That's cool! I considered
That's cool! I considered applying to adjusters side of ins. but the beasts wouldn't hire me with all my life/health experience
Whatevs.....
Exactly
But Chef never listens to me.