Wednesday, November 30, 2011

When we first decided to purchase life insurance, I never imagined that I'd still be talking about it nearly THREE MONTHS later. But alas, it looks like our fight is finally coming to an end.

If you'll remember... First, I complained about the cost of it. Even when we were paying "normal" rates.

Then, they told me that my urinalysis showed elevated levels of protein, and made me question whether I had symptomless, hidden kidney disease. I visited my doctor, and had to bring home the jug for 24 hours.

Unfortunately, that test came back with elevated (although it was too, so my doctor referred me to a nephrologist (kidney specialist) to rule out everything bad--basically, just so I could contest the ruling of the insurance company.

I never updated you after that, but I went and saw the nephrologist. He took a health history, reviewed my lab results, and essentially laughed. He said that the levels of protein in my urinalysis were "insignificant," said "You absolutely do not have proteinuria," and told me that he believed the insurance company's initial lab results to be erroneous. He deemed me perfectly healthy, with no signs of kidney disease, and promised a letter to explain all of this. He also told me that he'd talk to any physician at the insurance company, if necessary.

I was relieved, and went on my merry way. The next week, I was able to get a copy of the letter from the nephrologist, and I forwarded it to my insurance company right away.

And then I waited again.
And waited.

And waited.

Then, my phone rang yesterday and it was my insurance agent. He said that he had good news for me: The underwriters agreed to adjust my classification, and subsequently, my rate. Not only was I not considered "sub-standard" anymore, but I had been promoted to *SUPER PREFERRED.* In other words, I went from being given the highest rate possible to being given the lowest rate possible.


I might've done a little victory dance in my desk chair.

Our initial quote was at the "preferred" rate, which was about $25/month for me. When they decided I was supposedly at high risk for kidney disease, diabetes, or connective tissue disorders, they deemed me "sub-standard," and jacked my rate up to $55/month. Now? $17/month.

It just goes to show what a racket this whole life insurance business is. Is it totally necessary? Yes. But are they assholes? Yes. Thankfully, I had supportive physicians who were willing to work with me to fight the insurance company and get the rate I deserved. So let this be a lesson to all of you: FIGHT THEM!

And now I shall step off of my soap box and go to bed.


Anonymous,  November 30, 2011 at 10:47 PM  

what insurance company are you using? my husband and I need to get life insurance now that we have a baby and i'm at a loss on which company is best.

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