Buy life insurance! - Mountain Buzz
 



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Old 05-09-2011   #1
 
Park City, Utah
Paddling Since: 1985
Join Date: Oct 2006
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Buy life insurance!

This is my annual preach.

Since the untimely death of a close friend who left behind a beautiful wife and two kids, I've come here at the start of the run off each year. We are risk takers and play a dangerous game. My insurance cost less than a boat for an annual policy. In case something goes bad, spend a bit to take care of your family.

Back to boating!

Sorry about all of the sales pitches and merits of policy types this will start. My goal is to not have another friends family see the hardship his did because we never talked about this

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Old 05-09-2011   #2
The Russian
 
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SLC, Utah
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I second the advice. I did just that 2 years ago. Now that 6 foot hole doesn't look as dangerous to me.
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Old 05-09-2011   #3
 
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80523, Confusion
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Bump.
And, as basic as it sounds, health insurance. If you can't afford that, you can't afford to boat.
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Old 05-09-2011   #4
 
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Farmington, Utah
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Yeah I need to get on the ball, and get life insurance.
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Old 05-09-2011   #5
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My physical is Wednesday. I hope I pass.
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Old 05-09-2011   #6
 
Helena, Montana
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Up, for the wee ones that get left behind when the river gets hungry.
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Old 05-09-2011   #7
 
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Golden, Colorado
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Quote:
Originally Posted by Randaddy View Post
My physical is Wednesday. I hope I pass.

You using the whole fist, Doc?


In all seriousness - get enough coverage to cover your lost income for at least 2 years + enough to pay off your mortgage + enough to cover your kids education.
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Old 05-09-2011   #8
 
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Leadvillian, Colorado
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Quote:
Originally Posted by hnw2 View Post
Bump.
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.
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Old 05-09-2011   #9
 
Denver, Colorado
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Any recommendations for good insurance agents in the denver area to do this?
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Old 05-09-2011   #10
The Russian
 
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SLC, Utah
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Another note on this topic, you also might want to make a will for yourself. Even though you might not have much property to yourself, it's a good idea to do a will for medical reasons. Do you want to be berried or cremated? Do you want to be on life support or not? Do you want to donate your body parts? A lot of these decisions are tough to make for your family in the time of crises. It's good to be prepared and do it while your brain is in good condition.

A will can be written by hand, it just needs to be notarized by someone, like a bank notary.

Just some small steps we can do to help our families after we join the Whitewater Heaven.
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