a moment to refocusonlife ~ negative nancy

First off, have you ever looked at Urban Dictionary? If not, I highly recommend you take a minute just to look at the definition of "Negative Nancy" on Urban Dictionary. The example listed in definition #1 is a MUST READ, but only if you do not get offended easily.

Well, we've made it to Thursday. That's something, right? It's been a tough day for me. I'm feeling very negative right now. Let me explain. You all know that I HAVE Type II Diabetes, right? No matter if I am completely cured, devoid of medications to treat, and am wholly maintaining my chronic disease thru diet and exercise, or what, I am still officially diagnosed with having diabetes. I always will be.

I feel like I'm trotting down a trail trying to make sense of this all, but stay with me for a minute...
As a responsible adult, I feel that it's important for me to have life insurance for my kid's sake. Truly, if something were to happen to me, I would just want them to have some protection. So, approximately, 10 years ago, I decided to take out a 10 Year Term Life Policy.

Jesus Saves you a parking spot!
(as long as he's a 5'10 Hispanic Man)

If any of you are aware of how term life insurance policies work, at the end of the term, your options are somewhat limited. You can convert that policy to a whole life policy, but you have to go thru the underwriting policy again and the rate is adjusted in a VERY steep incline. You can also renew the term life insurance policy, again adjusting the rate upward for the new term, whatever that may be. And, lastly, you can let the insurance policy just go away no harm/no foul.

Why did I choose 10 years? I was young and dumb, I guess. I should have covered my children until a minimum of 25 or so. I should have chosen 20 years instead of 10. Hindsight is 20/20. I didn't want my rates to be adjusted to far upward, so I started looking at alternatives and found that State Employees' Credit Union offered term life policies at very reasonable rates. Basically, I'm being a Negative Nancy today because recently, I went to SECU to apply for their policy. I was immediately denied because I was truthful about my Diabetes diagnosis. Basically, the underwriters do not care if I have "cured" myself or not. They look at facts. Fact is, I have the diagnoses. Fact is, I took insulin  and oral medications in my past. They don't care that I no longer take those medications.

Better days are only a blink away.

I call party foul, but probably as a general rule, people that lose weight, keep it off, and maintain their diabetes without medication is probably an EXTREMELY low number of people. I get that. I understand that. After all, insurance is a game of odds, right? They are trying to increase their odds of NOT having to pay out a term life policy. So, why would they take an old, worn out, diabetic-ridden, turkey neck of a man to insure? Yep, I'm being a Negative Nancy.

Ok, enough of that. You know what? I don't care what they say! I don't care what they think! I'm not going to let this affect me a second longer! It IS a new day. We all make choices. Right now, I'm not going to be a Negative Nancy! I choose to be positive. I choose to embrace the good things in life. I acknowledge the negatives, I may even try to correct those negatives, but I will NOT allow those negatives to control me or allow me to change my name to Nancy!

Peace out, y'all.