Life insurance

Jesse · Subject: Re: Life insurance Tue Dec 19, 2006 3:32 pm

Too many things to respond to to quote them all so I'll do my best...

Life Insurance is an investment... we're all going to die one day... unless you're alive to see Christ come and for those few it won't matter.

Car insurance... another investment... are you not trusting in God by having it? Gavin and I haven't had an accident, ticket, or anything else in the 5 years that we have been married... was it worth the $1300 a year?

Home owners... we don't have a mortgage but we still have home insurance b/c eventually most everyone will need it for something... just like everyone is eventually going to die.

If I was single and debt free I wouldn't have life insurance.

But I think (my opinion based on my personal deliberations) it is irresponsible to not have it if you are married with children... and especially if you are in debt.

If it is something that you can't afford then maybe you should consider what return you're getting on the investment you're making in your cable TV or satelite or any other "luxury" that isn't going to profit your family in the event that you die.

And yes, if it wasn't "cheap" then we probably wouldn't have it. We got as much insurance as we could for the amount that we were willing to pay/valued the cost at.

_________________
"Decide what you want, decide what you are willing to exchange for it. Establish your priorities and go to work." ~H. L. Hunt

Jesse · Subject: Re: Life insurance Tue Dec 19, 2006 3:50 pm

Oh yeah, one more thing.....

We trust in God... we don't have health insurance.

But the reason that we don't have health insurance isn't just because we trust in God... it's b/c it's tooo expensive. I think it's terrible stewardship to spend $3000 a year on absolutely nothing and then have to pay another $5000 out of pocket if anything ever did happen.

If it was cheap we would have it.

Life insurance is cheap. We have it.

_________________
"Decide what you want, decide what you are willing to exchange for it. Establish your priorities and go to work." ~H. L. Hunt

Bethie · Subject: Re: Life insurance Tue Dec 19, 2006 4:40 pm

I would have to agree with the irrisponsible if you have children and especially if you have debt.
If something happened to me and we didn't have ins., Brandon would have to find someone to take care of Duncan right away because he would still have to go to work everyday. Atleast with the house paid off he wouldn't have to be in a rush to make decisions.
I just feel better having it and i don't feel it wrong for having it.

Lynelle · Subject: Re: Life insurance Tue Dec 19, 2006 6:19 pm

Brian.... I LOVE your avatar......

Anyhoos back to the thread. I think it's a good idea to have enough to cover the cost of the home and a couple of years to get back on their feet. We have just that through Lee's job, but I have been thinking that we should add on some. It would really stink for something to happen to Lee and we would have to move so that we could pay off he bills. Theres no way that I could make the $ that Lee does. If I go first, Lee would have to pay a high price to buy a wife to take care of all these kids............

_________________
To live content with small means; to seek elegance rather than luxury, and refinement rather than fashion; to be worthy, not respectable, and wealthy, not rich; to study hard, think quietly, talk gently, act frankly; to listen to the stars and birds, to babes and sages, with open heart; to bear on cheerfully, do all bravely, awaiting occasions, worry never; in a word to, like the spiritual, unbidden and unconscious, grow up through the common."--William Henry Channing

Bethie · Subject: Re: Life insurance Tue Dec 19, 2006 7:35 pm

Viagra is only $10 a pill and thats legal think Mrs.White would have taken Ecstasy then Bri Baby?(and this is Brandon because this Junky forum wont let me log Bethie out, can you say Renovate?)

Brian wrote:

Your reason is... its very cheap???

The drug ecstasy is only $5 a pill... thats cheap but that doesn't mean I'm going to use drugs. PickOn

Bethie · Subject: Re: Life insurance Tue Dec 19, 2006 7:43 pm

Lynelle wrote:

If I go first, Lee would have to pay a high price to buy a wife to take care of all these kids............

Get one from a Third World country they are used to big Familys and working a full time job and cooking/cleaning but she needs to speak English cause explaining a Vegetarian diet isnt easy otherwise trust me(Brandon again Broken forum needs Renovation etc etc..)

Brandon · Subject: Re: Life insurance Tue Dec 19, 2006 7:53 pm

Hope Moms got LI cause her car was on the worst crash list 1 up from the bottom......Buy big!! I mean who wants to ram a Surburan?

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Jesse · Subject: Re: Life insurance Tue Dec 19, 2006 7:54 pm

Yeah I saw that crash rating thing on the news this morning... showed Linda's car getting all bashed up and ranking at the bottom.

_________________
"Decide what you want, decide what you are willing to exchange for it. Establish your priorities and go to work." ~H. L. Hunt

Brian · Subject: Re: Life insurance Wed Dec 20, 2006 8:03 am

Bethie wrote:

Viagra is only $10 a pill and thats legal think Mrs.White would have taken Ecstasy then Bri Baby?(and this is Brandon because this Junky forum wont let me log Bethie out, can you say Renovate?)

Thats exactly my point... just cause its cheap doesn't mean we do it.
Oh and its called... click on the log out link... no need to renovate!

_________________
I know a lot of people without brains who do an awful lot of talking. - The Wizard of Oz
Banghead

. why do I try???????? - Lynelle
Brian the Grand master! - Gavin

Bethie · Subject: Re: Life insurance Wed Dec 20, 2006 8:16 am

Brian wrote:

Bethie wrote:

Viagra is only $10 a pill and thats legal think Mrs.White would have taken Ecstasy then Bri Baby?(and this is Brandon because this Junky forum wont let me log Bethie out, can you say Renovate?)

Thats exactly my point... just cause its cheap doesn't mean we do it.
Oh and its called... click on the log out link... no need to renovate!

We clicked on it 16 times and it wouldn't log me out.

We don't have life Ins. just cause its cheap...we have it so that either of us wouldn't have to sell our house if one of us dies or if both of us died, Linda wouldn't have to sell everything and send my son to day care just so she can work to pay to raise him. I wouldn't want to burden her with the raising of my son and have no money to give her to help. Wouldn't it be irresponsible for me as a parent NOT to have life ins. in this case?
Once you have kids, your whole outlook on life changes. You can't think of yourselves anymore.
When Brandon said what he said...he was teasing. He thinks the same as me on this one. As a parent you are being irresponsible if you don't have it. If it was just us...we probably wouldn't get it. We didn't get it until Duncan was born, as it was.

Amanda · Subject: Re: Life insurance Wed Dec 20, 2006 8:28 am

Bethie wrote:

Once you have kids, your whole outlook on life changes.

As a parent you are being irresponsible if you don't have it. If it was just us...we probably wouldn't get it. We didn't get it until Duncan was born, as it was.

Agreed, children change things. But to say that parents that don't carry life insurance are acting irresponsibly is inaccurate, un-called for, and unfair. Why? Because we don't know the entire situation.

Who are we to say that they haven't made other plans? Who are we to say that they haven't set up trust funds to care for their children, in the event of their demise? Who are we to dictate that they have life insurance - if funds are so tight they can't even pay to put food on the table?

I think the main point that Brian was trying to get across is that just because something is inexpensive/fun/easy to do/whatever, doesn't mean it should be done. He (and I) were merely asking for deeper reasons.

Are we against life insurance? No. I think it's a good idea, as it does provide in the ways mentioned - if the deaths occur under the guidelines specified by the insurance plans.

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Brian · Subject: Re: Life insurance Wed Dec 20, 2006 8:31 am

Bethie wrote:

We don't have life Ins. just cause its cheap....

Who said that was your reason? I believe Jess was the first to mention it was cheap. And I've never said it was a good thing or a bad thing.... Infact I don't recall ever even stating my comments on the subject. I just commented or asked questions on others statements. Just cause ask why you think they way you do on the subject, doesn't mean I agree or disagree, I'm just looking for the reasoning behind the comment. Trust me, If I disagree with you... you won't have any problem figuring it out. Remember, this is the debate section, and if you post here, then your going to have to explain your comments.

(I need to find a hug emoticon)Lots of hugs, its all in fun and learning... now lets get back to PickOn

and please Topic

_________________
I know a lot of people without brains who do an awful lot of talking. - The Wizard of Oz
Banghead

. why do I try???????? - Lynelle
Brian the Grand master! - Gavin

Bethie · Subject: Re: Life insurance Wed Dec 20, 2006 8:46 am

Brian wrote:

Bethie wrote:

We don't have life Ins. just cause its cheap....

Who said that was your reason? I believe Jess was the first to mention it was cheap.

I wasn't saying you had said that about me, i was just stating that that is not the reason WE have it.

Brian wrote:

Trust me, If I disagree with you... you won't have any problem figuring it out. Remember, this is the debate section, and if you post here, then your going to have to explain your comments.

(I need to find a hug emoticon)Lots of hugs, its all in fun and learning... now lets get back to PickOn

and please Topic

I thought the reason for debating wasn't to say that you disagree with someone, but stating YOUR views and opinions. Wouldn't that make it a personal attack if you say, "i don't agree with you?" Your singling out one person that way.

And your right Amanda...i didn't really mean that everyone with kids HAD to have life ins. I meant they should have some way of providing for their kids in the event of their death.
I have heard many horror stories about kids whose parents had died and had everything they had taken away due to debts and things like that...
True, they may not have had money to put food on the table...but if that was the case...they should not have had unprotected relations(i kept it clean) in the event they became pregnant. But unfortunately, that doesn't seem to matter anymore

Now i will try to Topic

P.S...Brian...can you get the green smiley that looks like he gonna throw up?

Amanda · Subject: Re: Life insurance Wed Dec 20, 2006 8:54 am

Bethie wrote:

Wouldn't that make it a personal attack if you say, "i don't agree with you?" Your singling out one person that way.

Simply stating that you disagree with someone is not a personal attack.

Saying, however, that you disagree with them and they are stupid for holding that position would be deemed a personal attack.

There is a clear difference.

Bethie wrote:

True, they may not have had money to put food on the table...but if that was the case...they should not have had unprotected relations(i kept it clean) in the event they became pregnant.

Again - we can't make this generalization. We don't know the circumstances.

Consider, for example, that the person was ill with a terminal illness and therefore uneligible for life insurance, but the wife was pregnant or they already had children - before finding out about the illness. Or, a person had retirement monies tied up in a company pension plan and the company was allowed to back out of the agreement - or, went through a scandal like Enron. Or, a couple married, had children, and then lost their jobs - thereby making it impossible to afford an optional expense such as life insurance.

There is always at least one exception to a generalization.

_________________
I wonder how much deeper the ocean would be without sponges

Jesse · Subject: Re: Life insurance Wed Dec 20, 2006 11:04 am

In general circumstances where it can be affored and obtained, having life insurance or any other way of supporting your family in the event of your sudden and unexpected death should be the goal of any responsible parent. Every family and circumstance is different. You merely asked if we thought it was okay to have and we answered based on our personal experiences. We can't answer for everyone that is poorer or richer than we.

I think it is perfectly fine that LI being cheap is one of the reasons why we have it..... it's not the only reason though. After all, if it was not cheap then we would not have it.

You've yet to share you thoughts with us Amanda. Why were you/have you been thinking about this subject? What reasons do you have for and against it?

_________________
"Decide what you want, decide what you are willing to exchange for it. Establish your priorities and go to work." ~H. L. Hunt