Life Insurance Policies w/o BloodWork (Trypanophobia / Fear of Needles)
About to be 23 years old (Black Non Binary/AFAB/Woman) and I used Policy Genius for having insurance for family which is a mixture of Whole + Term Life Insurance and was redirected to Mass Mutual.
Told representatives before, during and after approval that I have a major phobia of needles. Over the years, I no longer went into severe panic attacks over shots like Flu or COVID shots for example, (thankfully) but BloodWork, finger pokes and similar still affects me a lot. I don’t know what to do since I get phone calls from Quest Diagnostics and Mass Mutual daily then Policy Genius emails frequently on this.
I want life insurance and motivated to get it by the end of 2024. I’m starting to understand the world is unpredictable and scary along with other issues I’m constantly dealt with being apart of the BIPOC/QTPOC LGBTQIA+ Community. I rather be prepared while I’m young, rather than getting higher premiums when I’m older which is what my father has to deal with being in his late 60s.
My main priority at this current stage of my life, is for my parents & sibling is taken care of if I were to die first. I don’t want to imagine them to be scrambling in grief in addition to having no help financially esp at a older age for parents and wanting better stability for my older sibling to not be responsible for my parents money situation.
Can anyone give me suggestions on what to do since I want life insurance, but felt unheard when representives told me that there’s no alternative options even when it’s important and needed I get scared and trauma from needles + BloodWork.
Has anyone been in a similar position like me? Would really want some suggestions to knowing my options. Thank you