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Boundary Waters Quetico Forum Group Forum: Solo Tripping Insurance Cynic |
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02/10/2011 09:18AM
Any insurance guys out there that don't mind abandoning their professional code for the good of the group?
What stipulations (i.e. fine print) in an insurance policy could negate a payoff to the family of a solo tripper who bites the big one?
If I'm ever looking up at the sky sucking down my last breaths, I'd love to be thinking about the beauty of the wind in the treetops and not worrying about some technicality that's going to leave my wife destitude on top of her grief (or relief) about my demise.
What stipulations (i.e. fine print) in an insurance policy could negate a payoff to the family of a solo tripper who bites the big one?
If I'm ever looking up at the sky sucking down my last breaths, I'd love to be thinking about the beauty of the wind in the treetops and not worrying about some technicality that's going to leave my wife destitude on top of her grief (or relief) about my demise.
You cannot hope too much or dare too much. - R.W. Emerson
02/10/2011 11:24AM
My specialty is travel insurance plus I know quite a bit about property and casualty coverages. Life insurance -- not so much. However, the life policies I'm familiar with will pay in the scenario you described. There should be no clauses that would deny coverage for that situation.
"It is in solitude, in quiet communication with nature that we reach most deeply into truth." Sam Campbell
02/10/2011 01:14PM
I'll leave this to the life insurance experts, but unless there's some pre-existing medical condition which might be excluded, I think the only reason for not paying would be committing suicide within two years of buying the policy. My information is very dated so I might not be correct. I'm quite certain, however, that there is no "becoming dinner for a large carnivore" exclusion..... Lol
"It is in solitude, in quiet communication with nature that we reach most deeply into truth." Sam Campbell
02/11/2011 08:00PM
First off...I am not planning on "testing" this out for anyone...
I however am certain that if you meet your demise, in the woods, your beneficiary will get the $$$$$$.
I for one hope none of us need to test this out though.
(I had all my insurance licenses at one time including Life and Health, in the days gone by used to be an Independent Insurance Agent Many moons ago)
SunCatcher
I however am certain that if you meet your demise, in the woods, your beneficiary will get the $$$$$$.
I for one hope none of us need to test this out though.
(I had all my insurance licenses at one time including Life and Health, in the days gone by used to be an Independent Insurance Agent Many moons ago)
SunCatcher
"WWJD"
02/21/2011 08:52PM
My wife is an insurance agent. She sells life and other stuff. I will NOT ask for fear of her response!!!
Seriously, I don't think it's a problem. The major clause is suicide within a specified period of time. Likely some issues with not disclosing a pre-existing condition or disease as well.
If your asking if there is a stupidity clause, I really don't think so.
Seriously, I don't think it's a problem. The major clause is suicide within a specified period of time. Likely some issues with not disclosing a pre-existing condition or disease as well.
If your asking if there is a stupidity clause, I really don't think so.
03/31/2011 09:10PM
quote solotrek: "
I think the only reason for not paying would be committing suicide ..."
I'm sure a clever claims adjuster would say that going solo is the same as committing suicide.
:-)
"I go because it irons out the wrinkles in my soul" -- Sigurd Olson
04/01/2011 07:50AM
quote Beaverjack: "I'd love to be thinking about the beauty of the wind in the treetops and not worrying about some technicality that's going to leave my wife destitude on top of her grief (or relief) about my demise."
"Or relief..."
LOL!!!
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