Ok, So You Don?t Have Any Insurance

[StevieD]

Usually only these tragedies that get big publicity do the people get covered. Not to deny anyone anything but people die every day and are killed every day with and without insurance. If you are unlucky enough to be killed by a desperate drug addict looking for enough money to score his next hit chances are your family is SOL if you don't have insurance. But if you are killed in part of a well known incident then your family could stand to make millions. Doesn't seem fair.
.

 

[Turfgrass]

These people should have churches, the red cross, the United Way, and half a dozen other "not for profit" Organizations, that should provide the financial support to help rebuild and support these people. That's what they're supposed to do. Money that is given to these charities should go to help these folks. Not my tax dollars. I give to charities just because of this type of situation.

 

[djv]

Look I feal sick about what happen to these people. I said that in my other thread. Hey I was pissed at the Pres for not stopping by sooner. Or at least sending the VP if we still have one. These storms 471 were the most ever recorded in just a few days. There are some dam good republican liveing in these states. Most all but one went for Bush in the election. Not good for him to stay away at a fund raiser and golfing outing in New Mexico. Heck he had to fly right over the area. At 35000 ft you cant see much.
But after a week went by he stopped in for a hour or two. I guess thing that is strang to me. Those folks who rebuild where they know there can be trouble. In the California hills where brush fires take houses out every year. They rebuild right back same spot. Some folks out there have been burn out twice.
The Ohio and Mississippi rivers are knowen to flood every 4 or 5 years. Folks still rebuild right down by the water. I dont get it.
As for these storms. You never know where they will hit. So you cant run and hide. Why some folks who have so much to loose. Ones that Can aford so many things would go with out insurance is hard to understand. Why those who have less to lose and Do buy the insurance. Well it may show who worked harder for what they had. It just meant way so much more to them.

 

[TBONEZ0295]

TURFGRASS-WHAT CHARITY DO YOU GIVE TO??

ACE- I DO SEE YOUR POINT,AND HONESTLY I DO AGREE TO A CERTAIN EXTENT BUT YOU HAVE TO BE ABLE TO GO BEYOND THOSE PEOPLE WHO JUST CHOSE NOT TO INSURE BUT COULD AFFORD IT..........LIKE MY FRIEND FOR INSTANCE........POINT BEING IF THERE WEREN'T KIND AND GENEROUS PEOPLE OUT THERE THEN SHE WOULD HAVE HAD TO TRANSFER HER KIDS OUT OF THE PRIVATE SCHOOLS THAT THEY WERE SO ACUSTOMED TO AS WELL AS HAVING THERE WORLD ROCKED I AM SO GRATEFUL THAT HER KIDS MANAGED THREW THE SCHOOLS AND SOME GOOD PEOPLE THAT HER TUITIONS ARE COVERED THREW CHARITYAND DON'T HAVE TO BE DUMPED INTO A PHILLY PUBLIC SCHOOL (UGH) HELL MY TUITION FOR MY KIDS WHEN ALL IS SAID AND DONE RIGHT NOW 2 IN GRADE SCHOOL 2 IN HIGHSCHOOL IS ABOUT 12,000 + SOME A YEAR I HAVE TO SAY SINCE THEN SHE HAS COMPLETED NURSING SCHOOL AND IS BACK ON HER FEET THANK GOD.......NOT TO MENTION OUR CLEAN UP BATTER lo HOPE SHE DOESN'T SEE THIS................

DOGS THAT BARK- WHAT KIND OF MONTHLY PAYMENT WOULD WE BE LOOKING AT FOR A COOL MILL. JUST CURIOUS??????

 

[acehistr8]

Woah woah woah, wait a minute, she has four kids in PRIVATE schools? Four kids in private schools and they couldnt afford $25/month in basic life insurance?! You know millions of people in cities in this country go through public schools and come out just fine, so I really dont want to hear you say that as if its some sort of death sentence for these kids. Now granted I went to public school in New Hampshire and not inner city Philly, but my girlfriend went to public school there with 3,000 other kids and she seems to be doing just fine. So instead of putting food on some familes table or a roof over someones head, this charity is paying 4 kids PRIVATE school tuitions? I just cant believe that this couple didnt sit down at some point and say hey, we have 3 kids in private schools and we are too tight to be able to afford life insurance right now, whats going to happen if we have a fourth, that we are also going to want private schools for? God life insurance is so cheap! I still manage to pay $12/month for $50,000 in renters insurance coverage, you know, even when you dont have money you find a way to pay for the things that matter.

Again, Im sorry, but this is just flat out wrong. I mean 6 people eating a meal out one night a month is at least $75- $80. If you have enough money to send four kids to private school you should have $25 a month to buy life insurance to protect your family. I really feel bad for them, this whole thing leaves a bad taste in my mouth. I really feel sorry for people who dont make sound financial decisions for their and their loved ones futures.

 

[Turfgrass]

TURFGRASS-WHAT CHARITY DO YOU GIVE TO??

Well, if you must know, I give to the United Way and devote about 2 weeks a year to Legal Aid of NC.

 

[TBONEZ0295]

OK AGREE ON THAT ONE THE LIFE INSUR. STUFF BUT NOT MANY YOUNGER PEOPLE THINK THE WORST COULD EVER HAPPEN I PERSONALLY JUST IN THE LAST FEW YEARS PICKED UP LIFE INSUR. SHHHHSSS MY OLD MAN IS WORTH MORE DEAD THAN ALIVE LOL HMMMMMMMMM WOULD ANYONE KNOW IF DEATH BY SUFFICATION IS A PEACFUL WAY TO GO JUST KIDDING

WELL GOTTA GO TO MACY'S AND PICK UP SOME NEW FIRM PILLOWS THERE HAVING A SALE

 

[onetrickpony]

T-Bone,

Just a suggestion...

Far left of the keyboard next to the "A" key

CAPS LOCK

Have a little pity on those of us actually trying to read your posts.

 

[yyz]

I almost puked when I read that last one, TBONZ.

Should the mom and kids be forced to suffer? No. As a matter of fact, they weren't forced.......it was a decision her old man made (and her too) when they decided insurance was a waste of their money.

I know this person is a friend of yours, and perhaps that skews your perception a bit, but there is no way in hell I would be willing to use my tax dollars, or charitable contribution, to keep those kids "Acustomed to the life they are used too".

To keep them going to private schools? Gimmie a break!


What next? Give the Enron execs kids a free ride because daddy got pinched?

People in this country live hand to mouth every day for their entire lives, and never see a dime of public assistance. They get by on working two jobs, eating less food, never spending money on things for themselves or their kids, etc. Nobody throws them a parade. They slip through the radar unoticed. Why? They realize that they made the choices that have them where they are, and don't blame the rest of the country, and look for handouts.

If you drop out of school, you get a shitty job. If you get knocked up at 15, you have a tougher time making it. If you rob a bank, you go to jail. If you don't pay insurance, you suffer those consequences. Is it fair? It depends on whom you ask.

The United States government is not your legal guardian.

 

[acehistr8]

The United States government is not your legal guardian.

Great line yyz, couldnt agree more. Life is all about choices. Its just not conceivable that a family who CHOOSES to have four kids and CHOOSES to put them in private schools couldnt afford even a basic life insurance policy. Its just not possible.

 

[onetrickpony]

Bankrupcy

Bankrupcy

Along the lines of insurance (or the lack of) would love to hear your thoughts on bankruptcy.

I spoke with a friend of the family earlier this week who is the VP of a bank and he actually told me that people would purchase a new car before filing bankruptcy and then basically own the car free and clear when their filing was complete. I find this almost impossible to believe...

 

[acehistr8]

By the way, just spoke with a friend who sells insurance. A 30 year old male in good health can get $250,000 in term life insurance for $9/month from some carriers if they are in good health. So now we're talking LESS than $20 a month for the husband/wife to get simple life insurance coverage. Twenty freaking dollars.

 

[MadJack]

told me that people would purchase a new car before filing bankruptcy and then basically own the car free and clear when their filing was complete. I find this almost impossible to believe...

impossible if they financed the car thru a bank because they have a lien on it. i guess they could if they bought the car with a credit card, but fraud would come into play maybe?

 

[SixFive]

as far as rates go for life insurance, here's what little I know, Dogs That Bark is the expert though: 30-35 nonsmoker in good health, ie, no cancer, AIDS, HEP C, Hypertension, etc. can get a 30 year term policy for a quarter of a mill for 25-30 bucks. Amount is less the shorter the term. Should be able to get a 20 year term for less than 20 a month.

Whole life insurance is a whole 'nother beast!

 

[acehistr8]

SixFive you are right, $9/month is for a 10yr policy so your figures are accurate.

 

[onetrickpony]

impossible if they financed the car thru a bank because they have a lien on it. i guess they could if they bought the car with a credit card, but fraud would come into play maybe?

That's what I thought too. He works for a bank and is responsible for dealing with repo's and bankruptcies. His words were "people know they cannot buy a new car for the next couple of years so they will finance a car several months/weeks before filing bankruptcy. If we cannot get the loan removed from bankruptcy, there is nothing we can do." They cannot repo, collect, etc...

 

[DOGS THAT BARK]

TBone I am sorry for the lady for losing her husband,I am very sorry for the children who lost their father and their finacial security because the latter was no fault of their own because they did not weigh in decision of purchasing either insurance or the worldly possesions. All I am saying is the fault lies with the parents. I am very compasionate when it comes to children and animals but adults lives are contoled by the choices they make and responsibilty falls on their shoulders and not others to bail them out. While 911 was a tragedy I see it no worse than the tragedies people suffer through floods, tornadoes ect. Wrong place at wrong time.
rates 1,000,000 death benefit, 10 year level premium, age 39 nonsmoker(annual premiums) divide by 12 for monthly from a few carriers carriers.

American General1
LTG-ULTRA 10 (guar 10) (LTG-2000AG) (Preferred Plus Nontobacco)
Product Disclosure
Get Forms PPNT 370.00

CNA1
110g (guar 10) (Preferred Plus Non-Tobacco)
Get Forms PPNT 375.00

Transamerica Occidental Life
Trendsetter Super 10 (guar 10) (Preferred Plus)
Due to rounding difficulties, a limited number of Table Rated quotes may differ from carrier illustrations.
Please verify Table Rated premiums with home office.
Get Forms PP 375.00

First Colony Life 1
Colony 10 (guar 10) (Preferred Best No Nicotine)
Rates shown reflect the recent 2003 price change.
Get Forms PBNN 410.00

 

[TBONEZ0295]

yeh but ,yeh but, yeh but, I could probaly do that all day with you guys believe me .Your points are valid I'm not saying they aren't I just think your thinking like men and not really thinking..................So in other words all of you just boil down to if you didn't pay your insurance bill then suffer.So I sure hope you all have your bills payed GOD FORBID
And for the children who had no (CHOICE) in the matter what so ever:shrug: well screw them too???? Lets just tell them sorry for the loss of your father pat them on the head pull them from the school that they have been at and YES accustomed to and inrole them in a open inrolement philly public and hope they can handle the devistation from the loss of there father AND a whole new inviroment of peers at school and you still don't want to hear that.do you?and thats ok because they made the CHOICE RIGHT??????????????????

 

[djv]

There is no easy answer. And some insurance companies will not cover all things. Be careful what you buy for house insurance. For sure double check any rental insurance When I stopped smokeing 1988 was 46 years old. Was able to get 200 grand of term life for $310 a year. This police if kept would have become $15.000 of keepable insurance at 65. I just wanted some protection for about 15 years so it worked well. I thought as a past smoker age 46 good old heart attack range I was going to pay through the nose. Hell 310 a year to me was a good price.
As for waht should government do. What ever they did in the past till some changes are made in laws. I do agree anyone who can afford top end items and has no insurance is nuts. Some time things come to easy for folks. Im guessing those who had to bust there ass for what ever they had. Bought insurnace of some kind. They new nothing ccme easy.

 

[Justinsmom829]

Hey, I don't really know how I feel about the situation but I do know that I am a 23 year old single mom who just bought her second home and I don't know think I could imigine not have insurance. Thank God my work covers me and my son's health insurance but my homeowners I have to pay and I just had it added into my monthly morgtage payment which only took it up about 13 more dollars a month. When I first bought my car I was paying a little more then $500 a month for auto insurance and it sucked and I had to do without but being a homeowner and car owner comes responsilble and sometimes it sucks but I think that is how it should be.

I know what struggle is and it sucks if some people can't afford it and I hope that all of those people somehow do get some relief to help them get back some if not all of their belongings but I also hope that they have learned a lesson and that they get home owners now.