Tonight we had a visit from my favorite insurance agent, Sam Welter of the Catholic Aid Association (CAA). I’m not Catholic, but my wife is and she worked at CAA for a number of years. At one point, I was also under contract as the web developer for the CAA website (which was just recently replaced).

We have several life insurance policies with them for every member of our family and I rolled over my pension when I left Northwest Airlines four (!) years ago. The purpose of tonight’s visit was to finally roll over my old Northwest 401K account as well. I was tired of getting mail from them and the recent bankruptcy events made me a little nervous (even though it is managed by CitiStreet). I have a new State Farm retirement plan with Studio 4, but I prefer to do business with Sam when I can.

The big news of the visit was a new term life product that is cheaper than what I currently have, but has very stringent approval guidelines. I’m applying for it, as it would give me significantly more coverage for the same amount I’m paying now. The shocker is that I’m a borderline applicant because my weight is too high for my height. I assume it’s based on the BMI chart published by CDC, but man is that thing skewed to what I feel are unrealistic weights for most people. I would need to move from my current 187 pounds to 173 pounds to escape the overweight bucket and get in the normal category. According to that same chart, I could weigh 129 pounds and still be normal. That’s crazy…

With no smoking, no drinking, no overnight hospitals visits ever and marathon number 10 coming up, I may still be too much of a risk to get a better deal on life insurance. Oh well…at least it motivated me to get out for another seven miles tonight…DK