Scared and confused.

So after initiating a life insurance policy on my husband, he did the required phyiscal and we haven't heard anything in months. I go to pick up the policy to find that the yearly premium is now double what I was originally quoted.

Why?

Apparently the short version is the physical didn't turn out well. I have paid this years premium at the lower rate and will not be forced to make an additional payment until I allow a doctor of my choosing to reevaluate my husband. If the final decision is better than originally, they will lower the yearly rate. (I started out at around 180 and now its double that.)

It's not the money. It's the overwhelming fear that I'm dealing with. My husband is 25 and I was basically told I better hold on to this higher rate policy due to the fact that they feel his blood work was so questionable for his age.

Heart disease and cholesterol run in his family and obviously have hit him early.

No comments of "cracked out adjusters" or anything is necessary. I completely trust my insurance agent. We have used Frank Dean State farm for YEARS and they have always went out of their way to call and help us make financial choices that most places wouldn't inform you about. The only slip up this time and what took so long was the lab, who is the only authorized person to tell me or my husband the results failed to do so. We haven't heard anything about a policy rise.

So next week we go back tot he doctor, WITHOUT health insurance, and let him get prodded and retested. Since the original test he has been working out more and drinking more water and they said due to the fact he was walking the morning before the test that could have effected the liver results.

Needless to say I have, all day, went from anger, to grief, to fear, and then numbness. This time the diet will stick, because He's terrified of what lies ahead of him in the coming years. I know Jeremy. I know he'll do the right thing this time and start working out and dieting.

Just once tho, I'd like an entire month to go by scare-free.