I have a fairly large policy that I bought when I got married. Since that was when I was 25, I haven't bothered to cancel it. It's not very expensive, and I'll never get it that cheap again.
Mal: I call you back? Wash: No, Mal. You didn't. Zoe: I take full responsibility, cap.
'Out Of Gas'
Natter 60: Gone In 60 Seconds
Off-topic discussion. Wanna talk about corsets, duct tape, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
Pix - Aug 28, 2008 8:06:53 pm PDT #6075 of 10003
The status is NOT quo.
megan walker - Aug 28, 2008 8:33:18 pm PDT #6076 of 10003
"What kind of magical sunshine and lollipop world do you live in? Because you need to be medicated."-SFist
How many of you guys have life insurance outside of work? Especially if you don't have kids? It occurred to me I've never had a constant one. Can't work out if there's a point.
If you have no dependents, there is no reason for life insurance. Its purpose is to replace your income for your dependents in the event that you die prematurely.
Strega - Aug 28, 2008 8:43:15 pm PDT #6077 of 10003
I have life insurance automatically with my job. If I didn't, I suppose I'd get some minimal policy on my own because I own the condo and I wouldn't want to be all "I've left you a money pit and the associated fees! Enjoy!"
If I rented... I suppose I'd get a small policy to cover a few months of rent/storage, plus funeral expenses. 'Cause I imagine Viking longboats are kind of pricey, and some Coast Guard folks will probably have to be bribed, so it all adds up.
megan walker - Aug 28, 2008 8:48:11 pm PDT #6078 of 10003
"What kind of magical sunshine and lollipop world do you live in? Because you need to be medicated."-SFist
ita, if you are contemplating insurance, I would make sure you have good disability insurance. People are generally underinsured for disability and its far more likely you'll need that.
Pix - Aug 28, 2008 9:02:21 pm PDT #6079 of 10003
The status is NOT quo.
If you have no dependents, there is no reason for life insurance. Its purpose is to replace your income for your dependents in the event that you die prematurely.
Not just dependents, though. I don't have dependents, but I pay half of our bills, and losing my income would be a blow to Drew, too. The insurance would also pay off my debts so that they didn't get passed on to my next of kin.
megan walker - Aug 28, 2008 9:10:22 pm PDT #6080 of 10003
"What kind of magical sunshine and lollipop world do you live in? Because you need to be medicated."-SFist
I meant dependents in the sense of someone who depends on your income (or work), not tax dependents. So, even a non-working partner staying at home with kids should have some insurance, because losing them represents an economic loss to the household.
Debts don't get passed on, only assets. The assets have to stand good for the debts though, so if your loved ones want any of your assets they would have to pay the debts. Student loans are forgiven upon death.
§ ita § - Aug 28, 2008 10:13:06 pm PDT #6081 of 10003
Well not canonically, no, but this is transformative fiction.
Taking care of my death would cost money. I'd imagine life insurance would be a simple way to ensure something's there, if the will is written right.
As for the insurances for me still alive, when employed those are well taken care of. Not sure where I'd start jobless.
javachik - Aug 28, 2008 10:40:04 pm PDT #6082 of 10003
Our wings are not tired.
Happy Birthday, Meara!!
Tom Scola - Aug 29, 2008 1:13:59 am PDT #6083 of 10003
Remember that the frontier of the Rebellion is everywhere. And even the smallest act of insurrection pushes our lines forward.
I woke up this morning, stepped out of my bed, and...
squish.
squish squish.
A pipe burst in my apartment last night.
Calli - Aug 29, 2008 1:45:58 am PDT #6084 of 10003
I must obey the inscrutable exhortations of my soul—Calvin and Hobbs
I'm sorry, Tom. The only liquid one should wake up to is coffee, brewed in a pot with a timer. I hope your landlord will deal with things quickly and completely.
Happy Birthday, Meara!
Obama's speech was on too late for me last night. (Starting at 10? Dude—I'm in be by 9:30 on work nights.) I'm looking forward to watching it on YouTube, though. It sounds like he was pretty amazing.