Life Insurance, how much and WTF? - GoFuckYourself.com

V_RocKs · 06-15-2006, 04:20 AM

I am getting life insurance. Should I get a few million?

When I talked to my insurance guy he said I'd have to go through a shitload of medical tests.. Like a treadmill and shit...

I don't plan on dying of a heart attack for about 20 more years and neither have any of my fathers, fathers, fathers...

So why in the fuck are they asking for a battary of tests at age 34?

ffmihai · 06-15-2006, 04:27 AM

wait till you get to 40
it will be much worse

$5 submissions · 06-15-2006, 04:33 AM

They want to see how healthy you are so they can gauge the risks re insuring you.

FunForOne · 06-15-2006, 04:38 AM

Thats normal. Anything over a 100,000 they put you through the ringer to make sure you aren't dieing and trying to screw them.

Anything over a million and they usually do a series of back ground checks and evaulate your "known associates".

You can be turned down for life insurance for hanging with the wrong crowd.

Side note: make sure the majority of your coverage is term. You can get 30 year-term policies that will cover alot. At age 65, you life insurance needs will be 1/10 of what they are now.

notabook · 06-15-2006, 04:53 AM

I remember this one Indian guy took out a huge life insurance policy on himself, around $500,000. He then committed suicide. He shows up a few months later in his newly reincarnated form and tries to get his life insurance money for dying. The insurance company goes: Sorry sir, we only ensure you for your first three reincarnations, our records show this is your fourth.

...

Ok, not even I could laugh at that stupid piece of shit I just typed up. Somebody needs to sue my ass.

gooddomains · 06-15-2006, 04:54 AM

go for the max

2HousePlague · 06-18-2006, 10:26 AM

2hp

06-15-2006, 04:20 AM	#1
V_RocKs Damn Right I Kiss Ass! Industry Role: Join Date: Dec 2003 Location: Cowtown, USA Posts: 32,428	Life Insurance, how much and WTF? I am getting life insurance. Should I get a few million? When I talked to my insurance guy he said I'd have to go through a shitload of medical tests.. Like a treadmill and shit... I don't plan on dying of a heart attack for about 20 more years and neither have any of my fathers, fathers, fathers... So why in the fuck are they asking for a battary of tests at age 34?

06-15-2006, 04:27 AM	#2
ffmihai keep walking... Industry Role: Join Date: Jun 2002 Posts: 7,177	wait till you get to 40 it will be much worse __________________

06-15-2006, 04:33 AM	#3
$5 submissions I help you SUCCEED Industry Role: Join Date: Nov 2003 Location: The Pearl of the Orient Seas Posts: 32,195	They want to see how healthy you are so they can gauge the risks re insuring you. __________________ Need a NON-ADULT income stream? We build your YOUTUBE CHANNEL for only $20 per video! For Hire: $3/hour or $400 per month Marketing Specialist Virtual Assistants

06-15-2006, 04:53 AM	#5
notabook Confirmed User Join Date: Apr 2006 Location: Not a Library! Posts: 9,748	I remember this one Indian guy took out a huge life insurance policy on himself, around $500,000. He then committed suicide. He shows up a few months later in his newly reincarnated form and tries to get his life insurance money for dying. The insurance company goes: Sorry sir, we only ensure you for your first three reincarnations, our records show this is your fourth. ... Ok, not even I could laugh at that stupid piece of shit I just typed up. Somebody needs to sue my ass. __________________

06-18-2006, 10:26 AM	#7
2HousePlague CURATOR Join Date: Jul 2004 Location: the attic Posts: 14,572	2hp __________________ tada!

06-15-2006, 04:38 AM	#4
FunForOne Confirmed User Join Date: Nov 2003 Location: USA Posts: 8,704	Thats normal. Anything over a 100,000 they put you through the ringer to make sure you aren't dieing and trying to screw them. Anything over a million and they usually do a series of back ground checks and evaulate your "known associates". You can be turned down for life insurance for hanging with the wrong crowd. Side note: make sure the majority of your coverage is term. You can get 30 year-term policies that will cover alot. At age 65, you life insurance needs will be 1/10 of what they are now.

06-15-2006, 04:54 AM	#6
gooddomains Too lazy to set a custom title Join Date: Jul 2003 Location: Netherlands Posts: 10,127	go for the max