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Hi, we’ve been thinking about getting term life insurance and finally decided to move ahead with it. I talked with the agent (not affiliated with any one insurance company but deals with policies from a few companies), who, over the phone completed most of the application and arranged the medical exam. He emailed the pdf of the application and also the medical examiner brought paper copies for us to sign. We went through the medical exam, but wanted to look through the application paperwork more (it was a big packet!) so decided to mail it instead of signing and handing it to the medical examiner. Now we have second thoughts about going through with the insurance. Are we obligated to purchase the insurance although we haven’t submitted the actual application?
We signed some papers with the examiner, one was for testing for HIV, another form that had two choices, one that said we gave the application to the examiner, second box that said that we didn’t hand it to the examiner and will send it in separately (checked the second box, signed, and gave the form to the examiner); not sure if we signed anything else (was very chaotic with our baby son fussing etc.).
Also, if we decide to cancel at this point without applying, would any info that we provided to the examiner go into the MIB?
Thank you!

I found these on sale so I bought them. I’m having second thoughts on them now, so what are your opinions on these dresses and which one should I wear to homecoming?
first dress, in purple:http://www.kohls.com/upgrade/webstore/pr…
second dress: this isn’t the exact dress, but it’s the closest I could find. The bottom is actually all sequins and there’s not bow in the front. Sorry if it’s kind of hard to imagine.http://shop.nordstrom.com/s/3122846?orig…

I love listening to radio disney ever since I was a kid and I found out that they are owned by ABC and I only watch CBS for news (I like CBS, I watch my local affiliate KPIX/KBCW here in San Francisco), but because I like listening to radio disney, I feel like like switching networks, I been having second thoughts about switching from CBS lately, What are your thoughts and what should I do? What are your opinions about both networks? and please tell me why you like either one.

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