I got a letter in the mail last week.
It was a small envelope, so I immediately knew what it was. I was hoping for a thick packet, but this was just a simple #10 business envelope. Without even opening it, I knew what it said.
It wasn’t a rejection letter from a writing submission. I get those all the time. I’m used to those. (In fact, the real rejection in writing comes from not receiving a rejection letter, but that is another story for another day.)
No, this was from SunLife Insurance.
I have never had any Life Insurance other than what my employer gives me automatically. I think it’s $25,000.
When my son was born, I knew I had to take out an insurance policy on myself. After all, if something happens to me, I want to make sure he is cared for. When annual open enrollment at my workplace came around, I signed up for $200,000 worth of life insurance. It was going to cost me $11 a month. Sounded like a good deal.
I thought that was the end of it. I expected it to be a simple process like signing up for medical insurance when you started a job. You just get it. The end.
And I thought that, until about two days before school let out for Christmas break. I got an email from HR that said I needed to fill out a form. Standard; everyone who takes out life insurance has to fill out such a form.
Still, I was not panicked.
Until I opened the form. It was extremely short.
Name. Social. Birthdate. Do I smoke or drink? Height. Weight.
April 19, 1978.
I never smoke, never have. I virtually never drink (maybe twice per year).
Six feet tall.
I didn’t lie. I sure thought about shaving one hundred pounds off that number, but what if I had to actually take a medical exam? The form even stated that all information must be accurate and may be checked for veracity. So, I entered the information and hit submit.
I was hopeful. I hoped that it was just a formality. Enter your info and get life insurance! Take care of your family after you die!
But nope. Not for me. That thin letter said I could not take care of my family after I die. If I die, Tina and Moon Pie get nothing but burial expenses.
I was rejected.
No life insurance policy.
And truthfully, I understand why, and it scares me.
I am a death risk. The chances of me dying are far too high in the next year.
This is unacceptable.
I refuse to be a death risk any longer.
All year, I am going to hit my weight loss as hard as I can. I will count points. I will watch what I eat. I will limit unclean foods. I will move my body. I will put on muscle and lose fat.
I will not die.
Next November, I will sign up for life insurance again.
I will be approved this time.