Gender rating

[Damocles]

Good point, and I can live with both having the same rates. If it ever gets to government life insurance, I'll be on your side.

A mandate is not government insurance. It is simply government selecting winners they list for you... A more valid analogy would be if the government required you to purchase life insurance without regard to need or desire, then you'd be for forcing the penis tax to go away. Either things are equal or they're not. Actuarial tables notwithstanding, if you are for gender inequality in one insurance arena you should be for it everywhere.

However, I'm good with everybody having the same rate for insurance. Apples to apples it should all be equal. I do believe that I should be able to have a catastrophic option and use my HSA for every day costs though. In such coverage, it isn't likely I'd have an apples to apples comparison there. If I want to pay for insurance that pays for every iota, basically pre-paid care, then it should be equal for either gender.

 

[Cancel 2016.11]

Men tire of penis tax on life insurance. Do you have plans to fix that any time in the near future?

I know a fix for it.

 

[Cancel 2016.11]

Yea, yea, don't get your panties in a wad. It's not my fault Darla is a better man than you!

Lol. Jesus what a rep I have here!

 

[Cancel 2016.11]

Mott, I would educate you on the difference between Darla and a man, but I can't type in drool speak. Maybe I have a coloring book that you would find useful.

LOL.

This thread took a funny turn.

 

[Mott the Hoople]

I know a fix for it.

DARLA!!!!

 

[Mott the Hoople]

Mott, I would educate you on the difference between Darla and a man, but I can't type in drool speak. Maybe I have a coloring book that you would find useful.

That's very generous of you but won't you need that for your college classes up there in michigan?

 

[apple0154]

I agree....your head could use a little medical attention too.....

That's why I have a siesta. After reading the illogical, convoluted posts by folks like yourself I require time to defrag my head. The arguments are like broken, dead end links that infest a computer.

 

[Cancel 2016.11]

DARLA!!!!

He was asking for it Mott!

 

[PostmodernProphet]

Your question really is - have I ever initiated sex? And the answer of course is, absolutely.

It has come to my attention that few, if any, conservative men have experience with that phenomenon though. I understand that's why you write about it as if it's a trial for a woman, and she should negotiate for something in return. That's been your lived experience.

women initiate sex by saying yes instead of no.....

 

[Cancel 2016.11]

women initiate sex by saying yes instead of no.....

Seriously how old are you, a hundred?

 

[Damocles]

I know a fix for it.

Heeee...

 

[Cancel 2016.2]

How do you men feel about gender ratings for car insurance, since he brought it up? Adult males are charged at a higher rate because they are high risk. They are also charged higher life insurance premiums for dying sooner. I have always thought this unfair, how do the men feel?

It is the way it should be. This whole notion that everything has to be 'fair/equal' is ludicrous.

 

[Cancel 2016.2]

Skydivers, race car drivers etc. choose the behaviours. Women don't choose their genders and we're sick of paying a vagina tax.

As Rana pointed out, men also do not choose their gender, yet we pay higher insurance on auto and life. What about the dick tax? You sick of us paying that too?

 

[Cancel 2016.2]

yes, and women use this "same coverage" far more often. thus the higher price.

The 'same coverage' difference lies in the preventative care portion of the contracts. Women have far greater preventative needs (especially in their 20's-40's) and thus have more tests, which costs more money, which leads to... yep... higher premiums.

Men tend to be more aggressive drivers, hence get more tickets, tend to be in more accidents... tend to get... higher premiums.

Men tend to die younger on average, which means higher premiums.

But good lord, fuck all the above... we need to make sure everyone pays the same!

 

[Bonestorm]

The 'same coverage' difference lies in the preventative care portion of the contracts. Women have far greater preventative needs (especially in their 20's-40's) and thus have more tests, which costs more money, which leads to... yep... higher premiums.

Women don't choose to be women and thus have more preventive care need and higher premiums. At least you understand that the its the same insurance now. You were having trouble with that yesterday.

Men tend to be more aggressive drivers, hence get more tickets, tend to be in more accidents... tend to get... higher premiums.

This is not a function of biology. Men engage in activities that lead to higher claim rates and higher premiums.

Men tend to die younger on average, which means higher premiums.

This one is legitimate, but life insurance, while a smart thing for many people, particularly parents, isn't something that everyone pretty much needs. Health insurance is. Having said that, if you want to advocate for a law prohibiting gender rating in the life insurance industry knock yourself out. It's not really a priority for me.

But good lord, fuck all the above... we need to make sure everyone pays the same!

No, not everyone.

 

[christiefan915]

As Rana pointed out, men also do not choose their gender, yet we pay higher insurance on auto and life. What about the dick tax? You sick of us paying that too?

I already said I'm good with rates being the same. Maybe you and Damo should get a movement going where we can flood insurance companies with demands to equalize the system.

 

[Mott the Hoople]

He was asking for it Mott!

Julius Caesar once famously quiped "Give a man the keys to knowledge and he will use it to conquer. Give a woman the keys to knowledge and she will use it to emasculate.".

 

[Mott the Hoople]

women initiate sex by saying yes instead of no.....

That's not initiating. That's reciprocating.

 

[Cancel 2016.11]

I already said I'm good with rates being the same. Maybe you and Damo should get a movement going where we can flood insurance companies with demands to equalize the system.

Can I write all the emails and letters and just have them sign them? I would love that job. Pick me pick me! You guys don't have time to write your own protest letters. Let me take care of it! I'll tell you what, you don't even have to read them! You can trust me.

 

[Cancel 2016.2]

I already said I'm good with rates being the same. Maybe you and Damo should get a movement going where we can flood insurance companies with demands to equalize the system.

The point is... they ARE equalizing the system. They are trying to make it fair by charging people appropriately. The policies are 'fair' in the sense that they are designed to return about the same profit margin for the insurance companies.

Life insurance is designed so that the IRR on a policy is about the same (based on avg. life expectancies).

The problem is that you and others are fixated on making the pay side 'fair', which in turn makes the 'use' side unfair. Whereas if women pay more because they use more (get more) then it makes the system overall... 'fair'. What you are proposing is making the system tilt in favor of women. You are proposing a dick tax for health insurance plans. (which is already done in the vast majority of group plans)