JoshK Posted May 21, 2003 Posted May 21, 2003 (edited) Just curious...but why not lie? I don't know shit about insurance, but it seems that if you did die from climbing, they'd have to prove you were climbing before you got the insurance, etc. I dunno, it sucks, that's for sure. Edit: doh, just saw trask's post. That's exactly what I'm saying. Fuck'em. Edited May 21, 2003 by JoshK Quote
rbw1966 Posted May 21, 2003 Posted May 21, 2003 If you lie on your insurance application and the insurance company finds out your family will not receive benefits. Period. Trust me on this. I recommend doing a search on rec.climbing for some feedback on various insurance companies. Some charge more, some less, some don't care at all. Quote
allthumbs Posted May 21, 2003 Posted May 21, 2003 Doofus, if you tell the truth the insurance is too fucking high to afford, and you go without anyway. Doh I say lie - it's the American Way Quote
rbw1966 Posted May 21, 2003 Posted May 21, 2003 Do the homework. There are insurance companies that do not charge exhorbitant rates for climbers. Kemper is one that I recall off the top of my head. I think Safeco is another. Making a fraudulent representation on an application for insurance makes the contract null and you lose the money you pay. In addition, in some cases if the insurance company has already paid your family benefits and they learn of the misrepresentation they can sue the family for the return of the proceeds. I've seen this in action. Quite frankly, I think my family will be happy enough to see me go without having an insurance company pissing on their parade to get their money back. Quote
allthumbs Posted May 21, 2003 Posted May 21, 2003 Jesus, you and j_b take all the fun outta life Quote
rbw1966 Posted May 21, 2003 Posted May 21, 2003 Bend over and I'll put all the fun in your life. Quote
allthumbs Posted May 21, 2003 Posted May 21, 2003 rbw1966 said: Bend over and I'll put all the fun in your life. you must have me confused with FDA Quote
Szyjakowski Posted May 21, 2003 Posted May 21, 2003 just fukin lie the New york times has been doing it for years now... and so does our president... Quote
David_Parker Posted May 22, 2003 Posted May 22, 2003 rbw1966 said: If you lie on your insurance application and the insurance company finds out your family will not receive benefits. Period. Trust me on this. I recommend doing a search on rec.climbing for some feedback on various insurance companies. Some charge more, some less, some don't care at all. RBW is correct on this! It's not worth the risk of lieing 'cause they will find out if they want. I am currently getting this worked out. My agent is "working" with me on this. Seems I will be at risk for for first 2 years if I have it as an exclusion, but after that, all is good. Doesn't make sense, but WTF? I use USAA for auto only. They suck elsewhere. Quote
mothboy88 Posted February 23, 2004 Posted February 23, 2004 I use USAA for auto only. They suck elsewhere. I got USAA home insurance back in 2000. The reason I picked them is because they did not ask if your house was bolted to the foundation for earthquake insurance. Mine isn't and all the other companies I got quotes from were double the price because of my foundation. Anyway, that is one thing I can say in favor of USAA. Quote
Stemalot Posted February 23, 2004 Posted February 23, 2004 (edited) What if you started climbing after years you got got your life insurance? Is the contract now void? Edited February 23, 2004 by Stemalot Quote
erden Posted February 23, 2004 Posted February 23, 2004 A memo that I received from AMGA says that: Rocky Mountain Insurance Network is excited to offer all AMGA members the opportunity to purchase a Simplified Issue 10-Year Term life insurance product. And the great news is "rock climbing" won't cause a rating or decline. ... If approved, you will receive your policy within 2 weeks. ... The Life insurance is issued and underwritten by Pan-American Assurance Company, a wholly owned subsidiary of Pan-American Life Insurance Company, which has an A.M. Best rating of A-(Excellent). I say join the AMGA and get the goodies... Erden. Quote
lummox Posted February 23, 2004 Posted February 23, 2004 you get rescue coverage when you join the amc. plus you get reading material for the crapper. http://www.americanalpineclub.org/ Quote
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