My Husband and have term insurance with a renewal this year to almost three times the current rate.
We were approached by our broker to check out another insurance company to hopefully get better rates. This involved a physical.
The good news, the broker said when she phoned back, was that my Husband was healthy and received an elite rating but the bad news was that mine was declined.
I listened as she said that it was unusual to be declined as most people just receive a higher premium or a rider. It wasn't until after the call that I reacted to her statement.
My reaction was an intense fear that lasted 3 minutes.
Since then, I have been trying to get a letter to the broker so that the insurance company can release their files to my doctor so that I can find out what caused the decline.
Maybe I am overreacting but right now, I am in a downtime. This is when I shutdown from reality and its problems. I've been watching tv, reading, and trying not to think too much about my mortality and how I am not ready yet.
I tell myself it is the bipolar problem or the anxiety...