what to do when you get married - Spencer Insurance Agency, Inc

Don’t Bet your Life!

Do you see life insurance as a bet?  “I am betting I will live and the Insurance Company is betting I will die.”  I hear this phrase too often!

Here is one of my secrets. . . We are all going to die!  The question is WHEN. I urge you to get a life insurance review now.  Don’t wait until it is too late and your surviving family members are not only grieving the loss of a parent but are also in a financial mess!

September is Life Insurance Awareness Month.  A couple years ago I asked Rachel to share her story.  It is a powerful story.  Listen to her words. . .

Rachel’s Story

 My name is Rachel and I would really love to share my story with you in hopes that you will see the importance of Life Insurance, even at a time when you still think you are invincible.

I was 28 years old and got married in September of 1999.  While on our honeymoon in St. Thomas my wisdom teeth became abscessed. 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. In October I woke up and my neck felt stiff.  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 recovered 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. 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 I 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
of 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 in my life, the adoption of my daughter.  The adoption required that I have life insurance to be a Mother.  At age 28 I 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!

Rachel

Take time now to review your life insurance needs.  Give us a call today at 215-885-2200 or visit our website for more information.  Prepare now so yur family will be protected when you die.  Please share with us any of your stories.  Put your story in the comment section so others may benefit from your experiences.

 

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