Annual Insurance Check-Up

Although each of those characteristics are positive, some still open the door for procrastination; at least, that’s how it works for me and many others.  While I admire and strive to exhibit positive traits, I also discover to my chagrin I will allow my personal responsibilities, whether they be financial, health, whatever to fall by the wayside.  After all, I have a good attorney, excellent banking advisor, a great doctor and I am a good judge of character.   Why should I be worrying about details?  No symptoms, no problems.

Then one day, I pop into Walgreens to pick up my latest prescription and the pharmacist says, “Sorry. No refills without doctor’s request.  Didn’t you see the notice on the last bottle?”

Of course, I did, but I had thirty days to get it done.  The task went on the back burner instead of the ‘now’ section.  That lapse in judgment meant my attention was moved to urgent.  Some of you may have experienced a similar situation: 

Call the doctor.  Get an appointment.  See if a video check-in will work.  After all, I’m feeling okay, and I don’t have a list of questions or concerns.  I want my pills and I readily promise a ninety-day supply will allow me time to make a ‘real’ appointment.    

That works fine most of the time, but not every time.  There is a reason that routine appointments are required to continue medication for chronic conditions.  To not heed the reasoning is to put my health in jeopardy.

The same scenario can be applied to your insurance protection.  The handling of one policy at a time, often the day of or the day before expiration, becomes routine.  In the time crunch created, both your agent and you are more likely to neglect to either ask a pertinent question or explain a change in operations and/or need for protection. 

Your focus is to get the policy renewed as quickly as possible and you may be depending on your agent to provide information and consultation that cannot be provided without a complete examination.