freakydiver 0 #1 January 27, 2005 I know this has been beat up and on quite a bit, but some of the things I've found thorugh searches on the site haven't panned out... I just tried AIG and they basically laughed me off the phone. Has anyone had any good luck within the last few months in getting a life insurance policy or accidental death policy?? If so with whom??? Thank you all in advance. -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
bigway 4 #2 January 27, 2005 PD have a nice reserve .Karnage Krew Gear Store . Quote Share this post Link to post Share on other sites
freakydiver 0 #3 January 27, 2005 I have a new baby girl that a reserve won't pay for her college or my mortgage. I also plan on never having to use my reserve -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
eeneR 3 #4 January 27, 2005 QuoteI also plan on never having to use my reserve Er...my dear you may want to rethink that plan....it is not a matter IF but WHEN....if you sent your mind to never using it....and you get into the situation you should, and fight it because you dont want to use it....you will die.... Trust me you want to use your reserve....if it is so needed....unless you dont jump.She is not a "Dumb Blonde" - She is a "Light-Haired Detour Off The Information Superhighway." eeneR TF#72, FB#4130, Incauto Quote Share this post Link to post Share on other sites
Luna 0 #5 January 27, 2005 USPA has recently started offering life insurance through 4 different companies. I haven't gotten it yet, but the prices looked fairly resonable, considering. Check out USPA's web site under "Membership and Services" I'm walking a marathon to raise money for the Leukemia & Lymphoma Society. Click Here for more information! Quote Share this post Link to post Share on other sites
freakydiver 0 #6 January 27, 2005 Edited because I replied as a jerk. Let me put it this way - I've been in the sport for 11 years now. If I needed help with Safety and Training, we'd be in that forum. I know how and when to get my reserve out if the need ever arises. -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
freakydiver 0 #7 January 27, 2005 Yah I saw that - that looks like a great resource. I have calls in to three of the providers and will let you all know how it goes... THanks!!! -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
eeneR 3 #8 January 27, 2005 QuoteTake a look at my experience and go lecture someone else ahh right soo its ok to post shit like that with your experince on the forums where some youngin might read it....and say yea me too....not having a clue.... I posted it to bring out a point.She is not a "Dumb Blonde" - She is a "Light-Haired Detour Off The Information Superhighway." eeneR TF#72, FB#4130, Incauto Quote Share this post Link to post Share on other sites
AggieDave 6 #9 January 27, 2005 Quoteahh right soo its ok to post shit like that with your experince on the forums where some youngin might read it....and say yea me too....not having a clue.... Hey, I've always packed and planned not to use my reserve, BUT was trained, ready and willing to use it if need be. And now I have two reserve rides. I still plan not to use my reserve, but I am still trained ready and willing if need be.--"When I die, may I be surrounded by scattered chrome and burning gasoline." Quote Share this post Link to post Share on other sites
freakydiver 0 #10 January 27, 2005 QuoteQuoteTake a look at my experience and go lecture someone else ahh right soo its ok to post shit like that with your experince on the forums where some youngin might read it....and say yea me too....not having a clue.... I posted it to bring out a point. Honestly - I'm not worried about S&T - I'm worried about getting affordable life insurnce - which is the point of my post. I mean no offense - and I agree with you, but that is their fault not mine. -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
freakydiver 0 #11 January 27, 2005 Exactly - again - point of this thread - life insurance providers. If I have to use my reserve I will. I don't want to die and miss my daughter growing up or miss jumping with her. But I do have a wife and child to think about. eener - you should consider starting a thread in S&T forum if you'd like to discuss people that have my attitude where they think the chance of reserve usage is low. Just because I don't think I won't need it doesn't mean I won't use it. -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
freakydiver 0 #12 January 27, 2005 Got one quote back at 65 a month for a 250k 20 year term... Calling to confirm. -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
ladyskydiver 0 #13 January 27, 2005 And maybe you should take a deep breath, relax, and drop it. I saw your post before you edited it. Quite frankly, eeneR was dead on pointing it out to you - despite your jump numbers. You've been on DZ.com long enough to know that young jumpers will read stuff IN ALL FORUMS so don't go jumping on her because she pointed out something that could be taken the wrong way by a young jumper. Stating that although you practice your emergency procedures BUT don't plan on using your reserve would be a way that young jumpers wouldn't look at your post and say "Hey...that guy has almost 1000 jumps. I only have "XX" jumps. He must know more than me. He doesn't plan on using his reserve so I don't need to either."Life is short! Break the rules! Forgive quickly! Kiss slowly! Love truly, Laugh uncontrollably. And never regret anything that made you smile. Quote Share this post Link to post Share on other sites
freakydiver 0 #14 January 27, 2005 OK deep breath taken. Renee - I'm sorry for jumpin down your throat - you do bring up a good point. I still believe in my own mind that I do the things I need to do so that I won't have to whip it out is all I am saying. I never said - "DONT whip it out if you need it" or "DONT whip it out unless you tried all that you can and you are way below your harddeck"... If the student hasn't been taught to use their reserve and if they don't use it there isn't much I can do about that as I am no instructor nor did I ever claim to be. All I want to know about is people's experience with life insurance providers. ps - did you all notice the i put after my reserve statment - it was rather tounge in cheek... -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
Vallerina 2 #15 January 27, 2005 QuoteI still believe in my own mind that I do the things I need to do so that I won't have to whip it out is all I am saying. That's always been my mentality, too. I never fully "trust" my reserve, but I've had two reserve rides. I think your original statement was fine. Going back to the original topic...didn't AndyMan post something about some company called Tonik covering jumpers for both medical and life?There's a thin line between Saturday night and Sunday morning Quote Share this post Link to post Share on other sites
AggieDave 6 #16 January 27, 2005 Quotedidn't AndyMan post something about some company called Tonik covering jumpers for both medical and life? Yeah, its in California ONLY. I gave Freakydiver the number for my Dad's office, who happens to be an insurance man (independant) so he'll get some good answers from him.--"When I die, may I be surrounded by scattered chrome and burning gasoline." Quote Share this post Link to post Share on other sites
freakydiver 0 #17 January 27, 2005 Hmmm - I'll check and thank you very much val! I saw your snowboarding post and hope all went well... I usually suggest to beginning snowboarders that they at least bring a bottle of ibuprofen with the first few times (if not stronger drugs )... I too have had a reserve (edit forget ride) ride - it had absolutely nothing to do with my pack job. My right arm popped out of socket come pull time - no choice but to go silver as it was a useless noodle at that point... heh -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
freakydiver 0 #18 January 27, 2005 Indeed AD - and I thank you deeply. I haven't jumped since having my daugther for this reason only and NEEEEEEED some life insurance because I miss the dz and freefall in a huge way... -- (N.DG) "If all else fails – at least try and look under control." -- Quote Share this post Link to post Share on other sites
turtlespeed 226 #19 January 27, 2005 QuoteQuoteI still believe in my own mind that I do the things I need to do so that I won't have to whip it out is all I am saying. That's always been my mentality, too. I never fully "trust" my reserve, but I've had two reserve rides. I think your original statement was fine. Going back to the original topic...didn't AndyMan post something about some company called Tonik covering jumpers for both medical and life? Wow - I don't understand - If you don't trust your rigger and you don't trust your gear - what the hell do you jump for? Jumping w/out faith in both of those is equal to being suicidal.I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun Quote Share this post Link to post Share on other sites
Vallerina 2 #20 January 27, 2005 QuoteIf you don't trust your rigger and you don't trust your gear - what the hell do you jump for? I jump because it's fun. I don't have 100% trust in anything. I accept the risk that stuff (even my reserve) might fail.There's a thin line between Saturday night and Sunday morning Quote Share this post Link to post Share on other sites
pleifer 0 #21 January 27, 2005 Also being a scuba diver I have my life insurance through DAN (divers alert network) google it, it'll be the first thing up there. I have 100k policy (alot being the only real thing to take care in my demise, is my dog) But it is through a sponsered plan through DAN. It even has a thing where if I am in a diving (SCUBA) accident it will pay a 125%.... this policy has no exclusions and cost 100 bucks every six months.... or maybe a year... I can't remember now, I just send them a check when they send me a bill oh, and for the other conversation.... every jump I have done, I plan to use my reserve (as just that 'a reserve', and am thankful when I don't have to _________________________________________ The Angel of Duh has spoke Quote Share this post Link to post Share on other sites
Vallerina 2 #22 January 27, 2005 Quoteevery jump I have done, I plan to use my reserve I prepare to use my reserve (practicing emergency procedures and whatnot), but I jump as though I don't have a reserve.There's a thin line between Saturday night and Sunday morning Quote Share this post Link to post Share on other sites
jumpwally 0 #23 January 27, 2005 Also in Parachutist and Skydiving Mags is an ad for insurance,,I think its Falcon Co. wtsmile, be nice, enjoy life FB # - 1083 Quote Share this post Link to post Share on other sites
wildblue 7 #24 January 27, 2005 Quotebut I jump as though I don't have a reserve. Well now that's just being irresponsible. Some new FAA official could read that and go "What?! But she has to jump with a reserve otherwise she'll be violating FARs and seriously risking her own life!"it's like incest - you're substituting convenience for quality Quote Share this post Link to post Share on other sites
eeneR 3 #25 January 27, 2005 Ok guys....Freaky has already asked nicely to take this to another thread and keep this about insurance...please do so.....She is not a "Dumb Blonde" - She is a "Light-Haired Detour Off The Information Superhighway." eeneR TF#72, FB#4130, Incauto Quote Share this post Link to post Share on other sites
