Outlive Your Term Life Insurance Policy: Know Your Bites!

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites...

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UPDATED: Mar 26, 2020

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Summer is a time for enjoying the great outdoors. Unfortunately with outdoor fun also come insects and their painful, itching bites. Knowing what bit you can help you decide the best treatment for that bump or welt. Recognizing the bite and treating it properly can help you recover more quickly or even help you avoid cashing in on your term life insurance early. Below are some common insects and the signs and symptoms of their bites.

Bed Bug

Bed bugs are tiny insects that often live in bedding. Their infestation rates in human dwellings have increased worldwide in recent years, and these pests will hitch a ride home with you on luggage or clothing. Bed bugs leave large circles of bites in orderly rows. These bite wheels cause itching, skin redness, localized swelling and even blisters on the bites. These wheels eventually turn to small red bumps and fade after a few days. The bites are not dangerous, though infections can result from scratching them.

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Red Ant

A fire ant can both bite and sting. The bites or stings are very painful. They have a red center that is surrounded by lighter colored rings, and there can be tendrils of redness coming off the central area of the bite. People who are bitten or stung by fire ants can also experience flu-like symptoms such as fever, nausea, fatigue and body aches.


Mosquito bites itch severely. Scratching them causes the bites to swell to red bumps or welts because this action irritates the bite sites. This can also lead to infection in the bites. Wearing insect repellant is a good idea as mosquitoes can carry diseases such as malaria, West Nile virus, and yellow fever.

Black Flies

Black flies can deliver painful bites. They also carry diseases and are a general nuisance to humans. In addition to hurting immediately, black fly bites remain painful, they itch and can become infected with scratching. Some people have allergic reactions to these bites such as hives or wheezing.

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Flea bites often start as an itchy rash of tiny, sometimes bleeding, bumps in the armpits or the crease of a joint. The itching may be localized at first, but it can spread and become very severe, especially in people who are sensitive to flea bites. The area around these bites may swell and touching them will cause them to turn white.

Black Widow

Black Widows are easy to identify by the red hourglass shape on their bellies. The spider’s bite causes shooting pain and appears as two dots made by the fangs at the bite site. Nausea, increased blood pressure and vomiting occurs soon after and requires immediate medical attention.

Brown Recluse

The Brown Recluse lives in closets and attics in the South and Midwest in the United States. Their bite is painless, but the wounds they cause are serious. The bites are often red, then white and have blisters in the shape of a bulls-eye. These bites also require immediate medical attention.

Knowing the above symptoms should be able to help you identify any bumps, bites or itching you may acquire during the remainder of the warmer months. If you receive a bite from one of the more dangerous bugs or are unsure whether you have or not, please seek medical attention immediately. Know your bug bites, and you may outlive your term life insurance policy!

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