I was 28 years old and got married in September of 1999. While on our honeymoon in St. Thomas my wisdom teeth became abscessed and I had just switched jobs so I was in between health insurance. You know I was 28, who cares about the 3 month waiting period. I didn’t need COBRA. So I bought some time with over the counter aids and then in October I woke up and my neck felt stiff, so I rubbed it and found a lump on the right side just below the ear. I went to my family doctor who said that it was a swollen lymph node to fight the inflamed wisdom teeth, but he sent me for a CAT scan just to be safe.
The CAT scan came back negative and as soon as January hit I had my teeth pulled and my doctor said it would take about 30 days for the lymph node to go back to
normal. After 30 days it was still swollen. My doctor sent me to an Ears, nose and throat specialist who treated me for two months on antibiotics and when it had still not gone away and another lump showed up on the left side, he decided it was time to remove the “dead lymph node.”
So into surgery I went. The next day the doctor called and told me I had Stage 3 cancer. Long and short, I survived, but in the mean time my husband and I had
bought a house and then after I got better decided to start a family. After 3 years we decided to adopt and that is when I found out at the age of 33 that I was going to have difficulty getting life insurance because of my past medical condition.
I filled out the paper work and told the truth when the questions about cancer came up and thank God the paper work I presented when we applied was all that
was needed to proceed with the adoption because my daughter was born the next month. About a month after she was born was denied life insurance after the company had received my medical history from my primary doctor. Thankfully for us, all the papers were filed with the courts so it did not affect our adoption my daughter, Faith.
I tell you this story as detailed as I felt necessary because you can see that the time in between getting married and the time of my diagnoses, I could have applied and gotten life insurance. Then I would have had the life insurance I needed for an actual event, other than death, the adoption of my daughter. The adoption required that I have life insurance to be a Mother. I too was young and invincible, but now I am a 38 year old cancer survivor, waiting out the time limit of 10 years so I can get life insurance at an affordable rate, and at the amount that would actually benefit my family and not be turned down because I was High Risk.
So please, don’t view Life Insurance as morbid conversation at a young age. Realize that you have no idea what life has in store for you. Hopefully you will
survive all that is thrown at you and come out with such a great reward as I did, my Life and my Daughter (my Angel). But for whatever the outcome may be: BE PREPARED!!!!!!
Thank you for listening to my story, God Bless you in your new life, and may you have nothing but happiness and health, and a piece of paper in your filing cabinet
to take care of all you acquire and create!
Thank you Rachel for sharing this very personal story.
Please don’t procrastinate, buy life insurance today. At a young and healthy age life insurance in very inexpensive, however it will mean a great deal to your family if you die. Imagine how tough it would be for your family to make ends meet if they lost your income. To get a no obligation quote call our office at 215-885-2200 or Click here and I will call you for a life insurance review and also send our free report “How to Protect Yourself and your family if you die.” Don’t delay, take care if this today!
P. S. Please feel free to share your story with us. Add your comments below.