I electronically accepted the terms of my life insurance policy this weekend. I have continued to feel a lot of ambivalence about purchasing this policy, and a lot of shame and regret about my ADD meds resulting in an increased premium. Whether or not I NEED my medication and whether or not I should stay on it is a source of constant anxiety for me, and to be financially penalized for doing so has brought up a lot of difficult and painful feelings for me.
I’m not sure what finally compelled me to call them about it this morning. I suppose having actually accepted the policy and paying for the first month was part of it. I knew I had a month to terminate the policy if I found another provider that wouldn’t penalize me as much (or at all) for my prescription and I wanted to call them to see if it were possible to stop taking my medication for 12-18 months and then either reapply or request a reclassification.
The person I spoke to was very kind and very helpful, as has been everyone I’ve dealt with there–the customer service at this company is exemplary. He explained that I could submit a letter from my doctor explaining that my prescription is not for a life-threatening condition and that it does not represent the existence of, or pose, any immediate or long term health risks. The underwriter can then determine if I am eligible for the reduced rate.
My psychiatrist is amazing and already wrote me the letter and put it in the mail. I’m not sure if this will qualify me for the reduced rate but I’m so glad I’m at least making the attempt. I can’t figure out why I didn’t ask about this immediately; it seems the shame, regret and self-blame was paralyzing me. (I’ll be thinking about why this was a lot in the coming weeks.) I REALLY hope that this letter works, and if it doesn’t, I’ll be contacting them again to see if I can stop taking my medication for a certain amount of time and again request a review for a reduced rate. I’ll also shop around and see if there are other providers that won’t penalize me as much, or at all.