I’m just so incredibly frustrated with myself.
My wife and I are trying to do the right thing. We lost my dad to cancer at age 60 and he had a policy that takes care of my mom pretty well.
We are in our 30s, we have a 2 year old, and we’re trying to do the same.
I am a stocky/athletic build. I am a former college football player. I lift heavy weights weekly. I do cardio. I’m in decently good shape, I certainly am not winning Mr. Universe, but that’s not reflected in my “build” our agent spoke to us last night and essentially my build (5’11 265) puts me in a higher risk category. Then I asked If I were to cut weight for a few months he suggested it would only get me a 50% benefit.
On top of that, I’ve been struggling to sleep. When I do sleep, I have vivid dreams of my dad that sort of rattle me to my core. I haven’t told my wife, because she’s on edge about this stuff, but I’ve been experimenting with low dose edibles for the past 2 months and I’ve been getting incredible sleep as a result, with fewer vivid dreams.
Now I find out that my recent and frequent edible use at night will put me in a “smoker” category. I’m not a smoker. I’ve never smoked. I literally just started taking 5mg THC a night and now that’s going to bite me in the ass and I’m so fucking angry with myself.
My wife and I are trying to do the right thing. We lost my dad to cancer at age 60 and he had a policy that takes care of my mom pretty well.
We are in our 30s, we have a 2 year old, and we’re trying to do the same.
I am a stocky/athletic build. I am a former college football player. I lift heavy weights weekly. I do cardio. I’m in decently good shape, I certainly am not winning Mr. Universe, but that’s not reflected in my “build” our agent spoke to us last night and essentially my build (5’11 265) puts me in a higher risk category. Then I asked If I were to cut weight for a few months he suggested it would only get me a 50% benefit.
On top of that, I’ve been struggling to sleep. When I do sleep, I have vivid dreams of my dad that sort of rattle me to my core. I haven’t told my wife, because she’s on edge about this stuff, but I’ve been experimenting with low dose edibles for the past 2 months and I’ve been getting incredible sleep as a result, with fewer vivid dreams.
Now I find out that my recent and frequent edible use at night will put me in a “smoker” category. I’m not a smoker. I’ve never smoked. I literally just started taking 5mg THC a night and now that’s going to bite me in the ass and I’m so fucking angry with myself.
- I don’t want to admit to my wife that I’ve been taking these for the past 2 months. I’d rather have that conversation fresh. I first discovered that I slept better with these last year when she had her friend give me an edible on vacation. I just feel so silly and stupid for doing this in the months leading up to us getting life insurance. Will she be able to see this in the underwriting phase if I report use?
- Additionally, if we began the process of finding an agent last night, how soon can I expect to have the “physical” portion of the process? Is it feasible that that could be more than a month away, and that I can get all THC out of my system before then? I’d much rather just not take anything and not have to deal with it vs getting designated as a daily tobacco user for insurance purposes. The agent suggested Banner for my wife, would it be silly for me to try and get covered by a provider who cares less about THC?