Originally Posted by hnw2
And, as basic as it sounds, health insurance. If you can't afford that, you can't afford to boat.
Like almost everything about in this topic, this is a gross oversimplification.
Are any of you insurance agents? Do you suggest Term, Limited, General Pay? How much of a deductible can I afford on my health insurance?
I understand where the OP is coming from and whether or not you kayak or participate in other high risk sports, if you have dependents, it is certainly wise to have life insurance, if you can afford it.
It would be nice to see a higher level of contribution than simply "do this."
Generally, insurance is a means of protecting personal assets. It is a very personal decision that each of us make, to decide whether or not we need coverage and what level that might be and conversely how much exposure we find reasonable.
To state that anyone that can't afford health insurance "can't afford to paddle" is crass although pretty on par for the buzz. Maybe I can't afford NOT to paddle for reasons that are not financial.