Warning: The Author of This Post May Expire At Any Moment
Chris and I recently applied for life insurance through SBLI, after receiving preliminary estimates on how much it would cost to be insured for 25 years.
Chris’s final quote arrived a week or two ago, but we didn’t hear anything about mine. We had been concerned because I have a mental health history, but the woman who had given Chris the preliminary quotes had said that I would probably be fine since the major health issues I’d had occurred 11 years ago.
But now I was beginning to worry that they wouldn’t cover me at all.
“Don’t worry,” Chris said. “They’ll cover you, but we’ll probably just have to pay a higher premium.”
It turned out he was wrong.
Today I received a letter from SBLI that said, “We regret to inform you that after careful consideration, we cannot extend an offer for life insurance to you at this time.”
The reason was listed as “mental health history.”
They went on to add that “The results of our underwriting review are not meant to cause you undue anxiety. Our decision is not necessarily based on your current state of health but rather is influenced by predictive factors that may have an impact on longevity. We are guided by our experience with large groups of people in the same risk classification.”
Okay, if you don’t want to cause me undue anxiety, how about not sending a letter that basically says, “You might feel fine now, but pretty soon you’ll be dead.”
Posted by: ssjane | November 6, 2007 | 6:32 pm
Posted in: This Life