Life Insurance = Needles

I am becoming an adult. No, I am not voting for the first time, buying a beer, or enlisting in the Army. I am getting life insurance. Not because I have a a child that needs to be taken care of upon my death or a husband who would need the extra cash to keep up the same lifestyle. (Dolce is pretty expensive, but...) I am unmarried and don't have any children. I am getting life insurance, because I just started a new business (read: spent a ton of money I didn't have) and I don't want anyone to be burdened by those debts if I were to eat the wrong Fugu pufferfish at the sushi bar and kick the bucket.

What I have learned from this brief experience with life insurance is:

1. It helps to trust your insurance agent. They help explain the nuances of the different policies and would be there to hold your (or in this case, your heirs) hand if you ever needed to collect on your policy. I used Shay and Associates in Olympia. Brad and Melissa are both easy going, professional, and fun to work with. They are helping me with all of my insurance and have put in the work to find the best policy for the best price. Check them out.

2. Getting life insurance means answering 8,000 questions about every medical procedure and prescription you have ever had. I don't go to the doctor much, but I couldn't tell you what was prescribed to me for the sinus infection I had in '07. Seriously. Does anyone know that stuff?

3. Needles. I am currently waiting for the nurse to arrive and take my blood. This might be reason enough for some of you to take your chances (your kids will be fine...) and skip the life insurance, but the good news is, once you are in, you are in and you don't have to get your blood drawn again. I keep telling myself that anyway.

I am sitting here looking at pictures of needles on the internet. Cringe. Cringe. Wish me luck. Maybe I will have sushi for lunch...