Attention, readers under 50: get thee some life insurance and long-term disability insurance NOW. And you might want to think about getting some that isn't attached to the company you work for because believe me, once that AARP membership application lands in your mailbox, insurance underwriters can be a tad on the standoffish side. Our own little adventure began when I woke up one morning a couple of months ago and suddenly realized that I am now, like Dave, self-employed—and I had inadequate life insurance and no disability insurance. Every other day, Dave had to listen to my panicked barrage of what-ifs: "What if I have a car wreck? What if I get sick? What if I get hit by a train like that that respectable judge Holly Hunter made such a to-do over in O Brother Where Art Thou?!!!" Fortunately, my good friend Shari heard of our plight and sent us her husband's contact information. John is an outstanding insurance broker who sat down with us at our kitchen table and painstakingly walked us through the giant tangle of options and riders, somehow maintaining his composure and amiable attitude as Dave and I debated which one of us needs to cross Jordan first in order to maximize our financial stability and maintain our property value. We felt so good about the decisions John helped us make that we asked him to handle our homeowner's and auto coverage. And THERE is where the great injustice occurred. What did I have to do to apply for life and long-term disability? Submit income tax records, answer a ton of health questions, and rendezvous with a paramedic who took my blood pressure, WEIGHED ME TWO WEEKS AFTER CHRISTMAS, measured me, and collected an assortment of body fluids. To her credit, she did all of the above as painlessly as possible. Still, at one point during the application process, I asked John if there was any danger that the underwriters might try to hold my cat hostage till the lab results came in. What did DAVE have to do to handle his part of our insurance package? Why, he had to submit pictures of his cars, including the engines. That had to hurt. Still, I'm so happy to be on the road to financial security that I'm trying not to be bitter. I did, however, intentionally shoot that Buick from an unflattering angle. [We highly recommend John Wimberly at Country Financial. If you'd like to reach him, just send me an email or a Facebook message, or post a comment.]
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