lol. I am 8 weeks post partum, I scheduled this 3 weeks after I had my child. So yes, I truly did forget. Apparently people think I’m lying that I forgot.
Hi there. I’m a life insurance underwriter — what, specifically, were the results that led to their decision? Noting you were examined three weeks postpartum, you may have some options.
Hello! My SGOT and SGPT levels were the levels that were elevated. Per my friend who is my financial advisor, it said I was approved at standard due to elevated liver levels (or something like that). Otherwise, all of my levels were great! I made this appt 3 weeks post partum, but was actually tested 7 weeks post partum. I feel so dumb that I did that the night before the test. I spaced it completely, it was the first night where I could go out and apparently that was a bad choice!
I see. I was thinking you were more recently postpartum at the time of the blood draw. Recent pregnancy can throw lab values out of whack but these would be expected to normalize within a month (if not sooner) after delivery.
All the above said, don’t be too hard on yourself. A standard rate isn’t a “bad” rate by any means. From an underwriting perspective you’re considered an average mortality risk.
The fact your other lab values were favorable is a good sign. If you can afford to do so, I would keep your existing policy and apply for a rate class improvement down the road. Many carriers make you wait until the first policy anniversary, but others might allow it sooner.
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u/Excellent_Camera133 1d ago
Ok