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Offlinewhat
Stranger
Registered: 11/09/05
Posts: 18
Last seen: 16 years, 8 months
Life Insurance
    #5272710 - 02/07/06 09:34 AM (17 years, 11 months ago)

FUCK. I know i'll probably get loads of philosophical replies to this, but still...FUCK.
I've just got a mortgage with my girlfriend to buy a flat. We appied for life insurance and on the questionaire it asked if we had taken any drugs. So i thought, wow, they're very liberal. So i [like a fucking cock] said yes, magic mushrooms and weed. And now we have just been deffered for 2 years. And even after that when we lye and so, no we haven't taken any drugs since, we'll still probably have to pay double. I feel like such an idiot. i am just way too trusting. I feel like i've been kicked in the stomach.
I know life insurance is pretty much useless, but when/if we have kids it's kinda nessasary.
What do most people do here?
And try not to laugh too much! :frown:


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InvisibleJonnyOnTheSpot
Sober Surfer
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Registered: 01/27/02
Posts: 11,527
Loc: North Carolina
Re: Life Insurance [Re: what]
    #5272718 - 02/07/06 09:37 AM (17 years, 11 months ago)

you're not supposed to tell the truth...

that applys to all types of insurance, job applications, police officers, and in some cases psychiatrists.


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Offlineonetime
onetime
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Registered: 11/13/03
Posts: 3,609
Last seen: 13 years, 1 month
Re: Life Insurance [Re: JonnyOnTheSpot]
    #5272735 - 02/07/06 09:45 AM (17 years, 11 months ago)

well some times banks offer life insureance. I have 10k through work 10k through my bank and 10k through my credit card. although the credit card insureance is only if i die while i am travleing. All for accidental deaths only.


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

See?
Yes, with my own three eyes.
Depression, Misspells , wanting everying thing i cant have haveing nothing i want


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InvisibleSkorpivoMusterion
Livin in theTwilight Zone...
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Registered: 01/30/03
Posts: 9,954
Loc: You can't spell fungus wi...
Re: Life Insurance [Re: what]
    #5272745 - 02/07/06 09:49 AM (17 years, 11 months ago)

If the question asked, "Have you taken any drugs?"

That's a pretty vague question. Ergo, because it is vague, you can therefore legitimately answer it in a myriad of ways - even in ways that would be -gasp- beneficial to your goals. Simple, really.




--------------------
Coffee should be black as hell, strong as death, and sweet as love.


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InvisibleJonnyOnTheSpot
Sober Surfer
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Registered: 01/27/02
Posts: 11,527
Loc: North Carolina
Re: Life Insurance [Re: onetime]
    #5272749 - 02/07/06 09:50 AM (17 years, 11 months ago)

is it considered insurance fraud to claim you live in one place with cheaper car insurance premiums when you really live in another more exspensive place? like for instance, claiming you live in a small shitty town vs a city? Is fraud?


--------------------
Religion is for people who are afraid of going to Hell; spirituality is for those who have been there.


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InvisibletrendalM
J♠
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Registered: 04/17/01
Posts: 20,815
Loc: Ontario, Canada Flag
Re: Life Insurance [Re: what]
    #5272764 - 02/07/06 09:54 AM (17 years, 11 months ago)

I don't like having life insurance. My father told me "son, never be worth more dead than you are alive" and I took it to heart. I'm not worth much of anything alive, so I'd rather not be worth anything dead :smirk:


--------------------
Once, men turned their thinking over to machines in the hope that this would set them free.
But that only permitted other men with machines to enslave them.


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Offlinebarfightlard
tales of theinexpressible
Male

Folding@home Statistics
Registered: 01/29/03 Happy 21st Shroomiversary!
Posts: 8,670
Loc: Canoodia
Last seen: 14 years, 1 month
Re: Life Insurance [Re: what]
    #5272768 - 02/07/06 09:56 AM (17 years, 11 months ago)

Same thing happened to me. I was honest with them and they turned me away because of my drug use.


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

"What business is it of yours what I do, read, buy, see, say, think, who I fuck, what I take into my body - as long as I do not harm another human being on this planet?" - Bill Hicks


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Offlinewhat
Stranger
Registered: 11/09/05
Posts: 18
Last seen: 16 years, 8 months
Re: Life Insurance [Re: barfightlard]
    #5273657 - 02/07/06 02:16 PM (17 years, 11 months ago)

cool, cheers guys. i was a fool. i shall never trust anyone again. we've spoken to another insurance guy and he seems to think it will all be ok.


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OfflineQuantumMeltdown
Space Monkey
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Registered: 10/31/01
Posts: 4,962
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Last seen: 5 months, 10 days
Re: Life Insurance [Re: what]
    #5273669 - 02/07/06 02:19 PM (17 years, 11 months ago)

If you guys are dumb enough to answer those questions like that then you should be denied your policy. Just imagine if you where the one giving out policies. Every month I go fill out a questionaire for my probation officer that asks those same questions do you really think I would be here right now typing this if I was like you guys?


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-QuantumMeltdown

Total abstinence is so excellent a thing that it cannot be carried to too great an extent. In my passion for it I even carry it so far as to totally abstain from total abstinence itself.
  -Mark Twain

"The time has come the walrus said, little oysters  hide their heads, my Twain of thought is loosely bound I guess its time to Mark this down, Be good and you will be lonesome
Be lonesome and you will be free
Live a lie and you will live to regret it
That's what livin' is to me
That's what livin' is to me"
Jimmy Buffett


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InvisibleHeavyToilet
The Heaviest OfThem All
Male

Registered: 08/06/03
Posts: 9,458
Loc: British Columbia
Re: Life Insurance [Re: what]
    #5273712 - 02/07/06 02:27 PM (17 years, 11 months ago)

Holy shit... that was soooo stupid of you.

I can't believe anyone would do that. :lol:


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InvisiblePrisoner#1
Even Dumber ThanAdvertized!
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Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
Re: Life Insurance [Re: what]
    #5274263 - 02/07/06 05:34 PM (17 years, 11 months ago)

Quote:

what said:
cool, cheers guys. i was a fool. i shall never trust anyone again. we've spoken to another insurance guy and he seems to think it will all be ok.




get a 'whole life' policy, not term life, the whole life policy is an
investment, not just something that pays off when you die, after a period of
time you can borrow against the policy to take care of what ever comes up,
another benefit is that it will start paying it's own premiums after a period of
time as well plus there are tax deferments for the cash values

Term life policies may not be renewable after a certain age or if your health
begins to decline the only people it benefits is the insurance provider.


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Offlinewhat
Stranger
Registered: 11/09/05
Posts: 18
Last seen: 16 years, 8 months
Re: Life Insurance [Re: Prisoner#1]
    #5274296 - 02/07/06 05:41 PM (17 years, 11 months ago)

cheers!
what the hell is the point in life insurance then if when your tested by the insurance company you fail? i assumed they asked the questions so you were covered for it. not so that they would just refuse you. most life insurance companies in the uk don't even ask, so I assumed it would be ok.


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InvisibleRavus
Not an EggshellWalker
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Registered: 07/18/03
Posts: 7,991
Loc: Cave of the Patriarchs
Re: Life Insurance [Re: what]
    #5274480 - 02/07/06 06:20 PM (17 years, 11 months ago)

You have a lot to learn about the world still.

Never trust anyone, especially insurance companies who will use any excuse to jack up their prices. Jesus, trusting insurance companies? You might as well trust heroin addicted thieves looking for money.

"Yes sir, I trust you... I keep my life savings in a jar in the back of the drawer under my oven..."


--------------------
So long as you are praised think only that you are not yet on your own path but on that of another.


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