Tag Archives: life insurance

Craig Goes to the Doctor My Life 08 OCT 2010

I don’t do doctors. Much to Chantelle’s chagrin of course. I really only drag myself there if I absolutely, absolutely have to – and even then that seldom happens! Of course this does mean that I don’t yet have a house doctor here in Gordon’s Bay, despite having lived in the town for almost two years now!

This dilemma has now however been solved for me – and I wasn’t even sick.

Now that I have a house in my name, the bank kind of feels rather insecure should something rather unforseen happen to poor old me, and so they kindly requested that I take out some form of life insurance. Of course, I could flat out refuse, but seeing as they were so nice as to loan me all that money and because one has to now think of one’s unborn child and wife should something terrible happen, I agreed to their request and set off for a couple of consultations with the ABSA-appointed financial advisor, Pierre Fouche.

I struck it off with Pierre and like the man despite the fact he is trying to get me to part with my money and so we initially tried to apply for a life insurance scheme from the professionals only PPS. Unfortunately for me though, they obviously don’t believe a Bachelor of Business Science (Computer Science) degree is professional enough (plus the fact that my BMI is quite far above their liking).

So next on the list of possibles is a Cobalt plan from Sanlam, a company for which my father devoted many years of his life to and one to which I don’t really harbour any hard feelings towards, even if they haven’t delivered a good television advert in absolute ages now.

But they need something from me in order to consider signing me up. A medical check-up conducted by a real doctor.

Fantastic.

So I asked about and Doctor Smit’s name kept on coming up favourably in terms of good doctor practices here in Gordon’s Bay. Of course I should have considered him right from the start based on the fact that I currently train in the Funakoshi karate style under him and his wife, Sensei Birgitt, but wanting to keep the two separate I wasn’t really convinced.

But my hand now forced, I needed to put someone’s name down on the forms and so I put down Doctor Gert Smit.

Monday was the big day and while I was expecting something, well I guess more big, it turned out that the medical really is as simple as having your height taken, a couple of measurements about the waist, some breathing in and out, the obligatory blood pressure test, the drawing of some blood to be sent off to the pathologist, and of course the great big pee in a cup even if you don’t want to test.

In other words, it wasn’t painful, it was over pretty quick (apart from the initial wait for Doctor Gert because he was running late) and I didn’t actually learn anything new about my current state of health – something I always dread when going to the doctor.

But as per usual there was a lot of paperwork to be filled out and signed upon. Not that I’m moaning of course. Looking forward to hearing whether or not Sanlam will take me under their wing, thus getting ABSA off my back about the whole life insurance thing, and more importantly, it turns out that in the process I’ve discovered a pretty damn awesome doctor, one who the Lotter family will definitely be making their home GP! :)

Death, New Life, Insurance? My Life 19 MAY 2010

Last Friday didn’t get off to the best of starts, and technically the drive home didn’t end on a good note either.

You see, I arrived early morning at the Steenberg Virgin Active gym like I always do and as I proceeded to swipe in, I was asked to please stick to the one side of the gym as they were currently dealing with a medical emergency on the other side. There on the lower level, down the left hand side of the pool a number of screens had been put up and you could see a number of paramedics working on someone lying down on the ground. Twenty minute or so later, the foil sheets were pulled up, police arrived and a bodybag made its appearance.

You see, as Chantelle later confirmed via a newspaper article, a middle-aged man had succumbed to a rather unexpected heart attack while swimming laps.

This got me then thinking about how death really can strike at any time and now with all my family responsibilities, I really do need to make better preparations for that possible eventuality. After all, now that I have a child on the way and something was say to happen to me, how would my wife be able to cope financially, never mind emotionally and everything else that comes with an unexpected death?

So what does this mean?

Well for starters, it does mean that I really should start looking after myself a bit better. I’m one of those “if I don’t know about it then I don’t have to worry about it” sort of blokes and as such have no idea of  my current health status other than the rather informal “I feel fine” verbal test. Maybe, just maybe I guess I need to start forming some sort of relationship with a healthcare practitioner sooner than later, something I’m pretty sure Chantelle will be pretty wild about! :)

More importantly than that, I do now have to look into things like life insurance policies and the like, because quite frankly, I really don’t want to sit with a situation where if I pass away my wife and child are dropped into absolute poverty or something like that. Of course, this means a bit of legwork from my side, and also leaves me with a question or two which I guess I’ll have to make time to find the answer to.

Sigh, all these extra things to think of and plan for now that one has padded themself with a family!

But responsibility is good and providing for is one of the things that makes a man a man and for that I am pleased to be in the process of building up the next generation Lotter family.

But it wasn’t good starting the day witnessing the life of a man ebb away after something as trivial as swimming a lap in a pool. Nor was it good to witness another man lying dead in the road after being knocked down by a car on my way home…

I won't lie, the desire to continue my morning gym session was not particularly strong after the incident.