Todd Goldrick was living the dream. Good job. Loving wife. Two young, healthy kids. Weekends spent playing golf, softball, kayaking, hiking, running or just hanging around home with the family. But that changed suddenly in 2010, when he and his wife simply tried to buy some life insurance. He was just 28.
"Mine came back straight out denied," Todd says. "They told me the reasons. There was a whole long list -- high cholesterol, high blood pressure, and a few other things that I don't remember exactly."
Before that day, Todd says he'd been to see his doctor in the Minneapolis–Saint Paul area "maybe every two years," so the policy denial came of left field. In fact, he says it scared him into doing nothing about it, at least initially. "I was kind of naïve and a little scared to go back to the doctor," he says. "So I didn't do anything."
Six months later, he got a sinus infection that wouldn't go away, and eventually he went to urgent care, where some flags were raised unrelated to his sinuses. "They took my blood pressure, and it was 200 over 120," he says. "At that point, they told me I needed to go to the ER."