What is a life insurance? 
@vaporeon_ a way to make money off people who have financial dependents. if you die then your dependents named on the policy get a payout
@aescling @vaporeon_ did you know if admit to suicidal tendencies in therapy you can get blacklisted from life insurance from all major insurance providers?
@wallhackio @aescling Damn. The therapy just gives that information to the insurance companies? So much for medical privacy or whatever...
@vaporeon_ @wallhackio @aescling i imagine they report it to the insurance company as the justification for treatment (so the insurance will pay for your therapy) and then the insurance company tells the other insurance companies
@Lady @vaporeon_ @wallhackio @aescling I don't think health insurance companies talk to life insurance companies...
@The_T @vaporeon_ @wallhackio @aescling why wouldn’t they
@Lady @vaporeon_ @wallhackio @aescling conflict of interest, and hipaa violations...
@The_T @vaporeon_ @wallhackio @aescling in order to apply for life insurance you have to sign over the right for them to access your medical records
@The_T @vaporeon_ @wallhackio @aescling like sure maybe it’s not literally life insurance company talking to health insurance company but the information is in your medical record because the health insurance company requires it and then the life insurance company acquires those records
but also i would completely believe that they just ask your health insurance company
@Lady @vaporeon_ @wallhackio @aescling oh ok, that's fair
life insurance always seemed like a scam to me because why would you bet someone else you're going to die, that's a terrible wager
and also I don't have friends or family!
@The_T @vaporeon_ @wallhackio @aescling i mean my partner is unemployed and we have a mortgage now which needs to be paid every month for the next 30 years or we lose our house so like, that’s why
i’m not saying i am actually going to get life insurance but i get it; it’s not betting, it’s insurance
@The_T @vaporeon_ @wallhackio @aescling the better option in most cases is sticking that money in savings but it still leaves your partner in an uncomfortable position of needing to sell the house and downsize in the middle of mourning to stretch the savings longer until they can figure out a long term plan