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Invisibleluvdemboomers
loner with a boner
Registered: 01/11/13
Posts: 5,054
Life insurance discrimination
    #22225051 - 09/11/15 11:31 PM (8 years, 4 months ago)

My uncle is a former iv drug user with Hep C, type ii diabetes, and glaucoma. He's been in and out of rehabs for the past 20 years but he now has a few months clean and is getting his life together. Anyways he went to take out a life insurance policy in case anything happens (he owes 220k on a house and has 70k in other debt, as well as a wife and 6 children) or he relapses again and OD's. They wanted 170 a month! Thats tenfold higher than what it should be he even got a quote lying about his information and it was only 22 a month. He is clearly being discriminated against for his disease and misfortunes. This is not fair at all.  It's no different than discrimination based on gender or religion and the government needs to step in and put a stop to this injustice going on in america. Can he sue for this?


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Offlinedixienormous


Registered: 09/21/14
Posts: 1,051
Loc: moon
Last seen: 7 years, 2 months
Re: Life insurance discrimination [Re: luvdemboomers]
    #22225086 - 09/11/15 11:40 PM (8 years, 4 months ago)

How would they make any money if it was not this way?


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OfflineBitter Cactus
reformed bad boy
 User Gallery


Registered: 01/26/12
Posts: 11,773
Loc: Alberta, Canada
Last seen: 8 years, 4 months
Re: Life insurance discrimination [Re: dixienormous]
    #22225088 - 09/11/15 11:40 PM (8 years, 4 months ago)

:whathesaid:

They are not a charity bro


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Taking acid and thinking you are a better man is a lot different then actually becoming a better man.




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Invisibleluvdemboomers
loner with a boner
Registered: 01/11/13
Posts: 5,054
Re: Life insurance discrimination [Re: dixienormous]
    #22225096 - 09/11/15 11:42 PM (8 years, 4 months ago)

Quote:

dixienormous said:
How would they make any money if it was not this way?




They need to average out the rate that it is the same for everyone. It might be higher for a lot of people, but at least no one is being discriminated against! This is the injustice that happens in a capitalist society.


Edited by luvdemboomers (09/11/15 11:42 PM)


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OfflineShroomslip
Architekt
I'm a teapot User Gallery


Registered: 11/25/12
Posts: 23,651
Last seen: 2 hours, 28 minutes
Re: Life insurance discrimination [Re: luvdemboomers]
    #22225109 - 09/11/15 11:45 PM (8 years, 4 months ago)

Their prices grow the more likely it is you'll die in the near future.. :shrug: That's just how it works. It's not discrimination.


--------------------
With my face against the floor I can’t see who knocked me out of the way.
I don’t want to get back up but I have to so it might as well be today.
Nothing appeals to me no one feels like me, I’m too busy being calm to disappear.
I’m in no shape to be alone contrary to the shit that you might hear.


You can't wake up, this is not a dream. You're part of a machine, you are not a human being
With your face all made up, living on a screen. Low on self esteem, so you run on gasoline


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OfflineThe Moose
Alces alces


Registered: 08/31/15
Posts: 2,389
Last seen: 1 year, 10 months
Re: Life insurance discrimination [Re: Shroomslip]
    #22225203 - 09/12/15 12:08 AM (8 years, 4 months ago)

I mean that's how insurance companies work. More risk, more cost.


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Invisibleluvdemboomers
loner with a boner
Registered: 01/11/13
Posts: 5,054
Re: Life insurance discrimination [Re: The Moose]
    #22225213 - 09/12/15 12:10 AM (8 years, 4 months ago)

but thats not faiiir they need to do it like obama care

Make everyone get life insurance and the people that make more can foot some of the bill for people plagued with misfortune like my uncle


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OfflineThe Moose
Alces alces


Registered: 08/31/15
Posts: 2,389
Last seen: 1 year, 10 months
Re: Life insurance discrimination [Re: luvdemboomers]
    #22225221 - 09/12/15 12:13 AM (8 years, 4 months ago)

:shrug:


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OfflineShroomslip
Architekt
I'm a teapot User Gallery


Registered: 11/25/12
Posts: 23,651
Last seen: 2 hours, 28 minutes
Re: Life insurance discrimination [Re: luvdemboomers]
    #22225222 - 09/12/15 12:14 AM (8 years, 4 months ago)

If zappa or pris find their way here, this thread is going places.


--------------------
With my face against the floor I can’t see who knocked me out of the way.
I don’t want to get back up but I have to so it might as well be today.
Nothing appeals to me no one feels like me, I’m too busy being calm to disappear.
I’m in no shape to be alone contrary to the shit that you might hear.


You can't wake up, this is not a dream. You're part of a machine, you are not a human being
With your face all made up, living on a screen. Low on self esteem, so you run on gasoline


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InvisibleMoonshoe
Blue Mantis
 User Gallery

Registered: 05/28/04
Posts: 27,202
Loc: Iceland
Re: Life insurance discrimination [Re: luvdemboomers]
    #22225244 - 09/12/15 12:20 AM (8 years, 4 months ago)

Obviously a sick addict has higher insurance costs, thats how insurance works. That what actuaries do, they assess the risk of a person and the higher the risk of death and illness the higher the cost of insurance.


--------------------


Everything I post is fiction.


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Offlinemakaveli8x8
Stranger
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Registered: 02/28/06
Posts: 21,636
Last seen: 7 years, 7 months
Re: Life insurance discrimination [Re: Moonshoe]
    #22225424 - 09/12/15 01:19 AM (8 years, 4 months ago)

life insurance is all a scam, it should be if you get it really young and keep it your entire life it should be one set rate and should be affordable at the very least when you get old.  instead they sucker people into low rates starting out, and by time you get ready to die you have to drop it.  if you get it when your older its way to expensive, either way your screwed.

if you want life insurance setup your own saving account for it, and have auto withdraw, that's the only real way unless you think you'll die early for some reason then insurance actually works


--------------------
We were sent to hell for eternity :hellfire: Ø:omgawesome:h®
We play on earth to pass the time :foreheadslap:

Over-population the root of all Evil-brings the Elites Closer to the gates.


Edited by makaveli8x8 (09/12/15 01:20 AM)


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Offlinekoods
Ribbit
Male User Gallery


Registered: 05/26/11
Posts: 106,059
Loc: Maryland/DC Burbs
Last seen: 15 minutes, 19 seconds
Re: Life insurance discrimination [Re: luvdemboomers]
    #22225688 - 09/12/15 03:33 AM (8 years, 4 months ago)

Quote:

luvdemboomers said:
but thats not faiiir they need to do it like obama care

Make everyone get life insurance and the people that make more can foot some of the bill for people plagued with misfortune like my uncle




Don't even start to compare health insurance and with life insurance. They are two completely different products.


--------------------
NotSheekle said
“if I believed she was 16 I would become unattracted to her”


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InvisibleShiithead
Your Huckleberry
Male User Gallery


Registered: 04/05/13
Posts: 9,997
Loc: God's Flat Green Earth
Re: Life insurance discrimination [Re: Shroomslip]
    #22225706 - 09/12/15 03:42 AM (8 years, 4 months ago)

Quote:

Shroomslip said:
Their prices grow the more likely it is you'll die in the near future.. :shrug: That's just how it works. It's not discrimination.




--------------------

Ephesians 6:12
For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.
Psalm 12:6
The words of the Lord are pure words: as silver tried in a furnace of earth, purified seven times.
Hebrews 11:3
Through faith we understand that the worlds were framed by the word of God, so that things which are seen were not made of things which do appear.
Revelation 3:11
Behold, I come quickly: hold that fast which thou hast, that no man take thy crown.


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Offlinespecialpeopleclub
Male User Gallery


Registered: 04/10/14
Posts: 5,584
Loc: Mitten
Last seen: 3 years, 7 months
Re: Life insurance discrimination [Re: Shiithead]
    #22225816 - 09/12/15 05:32 AM (8 years, 4 months ago)

Insurence general is a scam, a really bad system for the non profiting


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InvisibleSun King
 User Gallery

Folding@home Statistics
Registered: 02/15/14
Posts: 4,069
Re: Life insurance discrimination [Re: luvdemboomers] * 1
    #22225851 - 09/12/15 06:00 AM (8 years, 4 months ago)

Your uncles life long bad choices aren't misfortune. Life insurance isn't a right.



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Invisibleluvdemboomers
loner with a boner
Registered: 01/11/13
Posts: 5,054
Re: Life insurance discrimination [Re: Sun King]
    #22226771 - 09/12/15 11:53 AM (8 years, 4 months ago)

I guess I fail at satire :frenchtroll:


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Offlinedixienormous


Registered: 09/21/14
Posts: 1,051
Loc: moon
Last seen: 7 years, 2 months
Re: Life insurance discrimination [Re: luvdemboomers]
    #22226974 - 09/12/15 12:53 PM (8 years, 4 months ago)

poes law, bitches


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