With Jeff and I running the business, it would be damaging if one of us were to get into an accident. This being a major concern to my father, he wanted me to get life insurance. I had no problem with this.
I went online and typed in “life insurance” and went with the cheapest option from a name I recognized, State Farm. You fill out an application and they sell you on the cheapest policy based on the way you answer questions. They have someone call you and ask a few more questions and set up a physical. I took the physical 2 weeks ago and had high blood pressure on the 3 readings. 160 over 100. I was coming down with the flu but I’m not sure that had any effect on my blood pressure. It doesn’t really matter as I got a call from the agent saying he wanted to meet. I didn’t see any reason why he couldn’t send the documents electronically and me e-sign them so I had a sneaking suspicion something was bad on the blood work.
He let me know that the policy had changed (codename for increased premium) and he wanted me to come in after I resisted a second time. I went today to Lancaster Ave where I was the only white person on the block and was wondering how well life insurance policies sell around this area. I told the agent that I didn’t have a lot of time and to cut to the chase. He had a sealed envelope with my physical results that he didn’t seem anxious to let me see. He told me I was a level 6 (out of 40) and my premium was going to be $1,500 when it was originally quoted at $300. I said, “enough’s enough, let me see the results.” I scan through them and all is perfectly fine (I tested negative for cocaine and Aids) but had high blood pressure as I already knew. At this point I was pretty pissed off because he made me come into the jungle to tell me that all I needed to do was have the doctor re-test my blood pressure. Then he starts asking me about my car insurance, home insurance, and business insurance like a typical insurance scum bag. I know he’s just doing his job but this was his main reason for having me come in. I left telling him that he had about a 0% chance of getting any business from me and now I know I’m going to have to deal with his follow ups. This went hand in hand with some FedEx rep looking to set up a meeting with 3 people. 3 people! I’m thinking that I know she’s love to spend her days traveling around and shaking hands, but I’ve got better things to do. Sales people know other sales people.