Life insurance

today I heard an ad on the radio for life insurance. It said that you could get insured for 10 euros a month. I thought that sounded good, so I rang up the insurance company.
The girl I spoke to said that the policies started at 10 euros a month, but that they werent all that price. She said she could give me a quote. So I agreed to have her give me a quotation.
On the radio it said there would be no medical. But when I rang she said she would have to ask me some questions, related to medical conditions.
I knew if she asked me about my mental health that I probably wouldnt get insured, but I went ahead anyway.
She asked a ton of questions, and some of them were related to my mental health, but that isnt the reason that I wasd denied, after asking me all of the questions, she said I was denied and that they wouldnt be able to give me any cover.
Why?
Because my BMI was too high! It wasnt down to my mental health, or physical health, it was down to my BMI being over the recommended BMI for my height and age.
I think this is so stupid!
I knew it was too good to be true. There are always catches with these types of ads.
So I guess I will just have to keep putting money aside, like I have been doing, just in case anything should happen to me in the future.

Author: Carol anne

I am 40 years young. I'm blind and I have dissociative identity disorder, I also have complex PTSD. I blog about my life with these disorders. I live in Ireland.

14 thoughts on “Life insurance”

    1. For funeral costs over here they pay else for funeral costs and people without dependence get life insurance just in case anything happens to me and my family would be left with the funeral costs funerals are very expensive nowadays

      Liked by 1 person

  1. I feel for you. That being said, I can understand them too. If I’m correct, your BMI is significantly within the obese range and that alone is a strong risk factor for an early death. The whole purpose of insurers is to profit ultimately, I think. I don’t have life insurance and when my husband and I bought a house, we opted out of getting mortality risk insurance too. I had, after all, heard that my Mom was denied it by one company because of the combination of her having epilepsy and being pregnant (she eventually got it anyway and this was in the 1980s). My sister did get this type of insurance with her mortgage, but then again she has no medical issues and is of average weight. I am obese and have so many conditions I wouldn’t want an insurer know about. Still, I understand you were disappointed.

    Liked by 1 person

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