So far, so good!
Well, I just heard from my insurance agent. The results were, in his words, "nearly perfect" and I was being offered preferred rates for the upgraded life insurance policy.
That's the short story. I'll tell you more in a bit. Let this first part serve as a warning. This sort of relates to motorcycling. The title of the blog has the word "musings" in it. Here's some of that. If information on my personal health is more than you care or want to know, you may be excused now! See you for the next post. Of course, you'll always be wondering what you missed.
Part of what's required to successfully ride a motorcycle is being in reasonable physical shape. Despite the fact that riding is mostly mental, there's a certain precision of physical skill execution involved. Not to say that we need to be in perfect physical condition. How many riders would there be if only perfect physical specimens could ride? Harley Davidson released a statistic regarding the average age of their buyers. If I remember correctly, it was 47 years. There's bound to be some physical imperfections there, I'm sure!
Realistically speaking, then, riders need to be aware of those kinds of limitations and adjust accordingly. Whether it be sight, hearing, bodily weakness, and so on, these limits need to be heeded. On the plus side, I think having a passion for something like riding, and teaching riders in my case, can help keep us healthier. Is it the passion itself that makes us better off? Or is it the subconscious desire to keep healthy enough to enjoy our passion?
Bear with me. I'll get to the meat of the matter pretty soon. It's a rainy morning. I have a hot cup of coffee in hand and I'm not really in any sort of hurry to get anywhere with any speed.
Riding means that there's a certain level of risk acceptance. That's a whole discussion by itself and I'm not going to conduct it right here. No matter how good my skills, there's still a chance I could get killed on a bike. I try really hard to avoid that possibility. Still, though, it's one of a hundred things that could end my earthly existence. Which brings me to the point. I know, finally.
I've seen too many wonderful ladies left destitute when their husbands die. Sometimes that's just the way it is because of the couple's financial situation. As long as I have the means to do so, I've determined that Katie won't be among that group. There's a few investments stashed away. I've maintained a life insurance policy. A couple of circumstances came up that made me stop and jump through a few hoops. I'm happy to announce that the jumping had a positive result.
My previous rates were locked in for 10 years. I recently received notice that the rates were about to start jumping up substantially in each upcoming year. However, if I cared to, I could submit new health information that might help lower the rates. What that boiled down to is that I've have to face that dreaded event called a physical exam!
It wasn't the actual event that put me off. From here on out in the post, I'm sharing from a guy's point of view. As a female, your results may vary. Statistics seem to show that the gals tend to be a bit smarter than us guys about these kind of things.
What worried me was what the results might tell me. I know so many guys with prescriptions for high blood pressure, high cholesterol, type II diabetes, and so on. Many of them are suffering unpleasant and, shall we say, unmanly side effects. Having seen the five decade mark come and go, I considered myself relatively lucky. No prescriptions but nagging doubts.
Was the lack of drugs because I really didn't need them or because I just didn't go to the doctor? If I subjected myself to him, would he find I'd been deluding myself? A lot of conditions are supposedly symptomless. Was I afflicted but blissfully ignorant?
Oh, I've been to the doctor a few times over the years. I have a high pain threshold so it's pretty major when I go in. Let's see. There was the broken bone in my right leg. I didn't really think it was broken so I walked around on it for three weeks. When it didn't feel better I finally went in. I swear it's true. Ask Katie. Better yet, Clinton reads this blog. He could tell you.
I went in once for a puncture wound that went all the way through my left hand from palm to back. Fortunately I had some antiseptic ointment. So I put some on the end of the sharp object then pulled it back out of my hand. The next morning I went in for a tetanus shot and some antibiotics. Have to be prudent, you know?
Then there was the five broken bones in my right hand. I probably would have went on my own, but I really had no choice. I was unconscious when the medics loaded me into the ambulance and took me to emergency.
Yes, I've lived the rough life of a Warrior!
I feel compelled to put in a disclaimer. The smart thing to do is to get regular checkups. Things can be detected and corrected before they are bigger problems. That's the smart thing. I, however, am like a lot of other guys. We don't go like we should. It's worse for me because I have a pretty macho attitude. It ain't right but it's me. If you have to be brutal about it, then, you might say the smart thing is to not be like me.
Anyway. It was time to deal with the life insurance thing. Money is important. So is taking care of Katie. So I bit the bullet and went in for the physical. While I was at it, I decided to bump up the policy. Money doesn't go as far as it used to. Don't tell Katie, though. Incentive, you know?
The nurse drew blood. And some more. Blood pressure was checked. Height and weight. Poking and prodding. No lecture from the doctor. Was it the lack of a need or the look in my eyes? Soon they let me go. Now came the waiting.
You know how the mind takes things and chews on them? There was a lot of that going on. I could see pill bottles, or worse, poised to enter my life. Finally, the call came.
It was my agent from State Farm. He told me that the results were, in his words, nearly perfect. Blood pressure great. Cholesterol levels fine. Height and weight in agreement. No diabetic indications present. In fact, State Farm was offering me their best preferred rates and would lock those rates in for another 10 years.
Another bullet dodged. Life's good!
Miles and smiles,