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iclone
no footage found

Registered: Feb 2006
Location: berlin4lyf
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Dec-16-2008 18:28
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Silky Johnson
International Playa Hater

Registered: Nov 2003
Location:
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Dec-16-2008 18:28
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jerZ07002
Supreme tranceaddict
Registered: Dec 2006
Location:
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| quote: | Originally posted by ChemEnhanced
Well....I guess my Charter Insurance Professional diploma along with being in the insurance industry for 13 years has no merrit.
You are right....you premium is based on the probability you will suffer an insured loss. The probability that some fat person will suffer a loss doesn't affect your premium in any way. Insurance is not based on what you take from the system....its based on the probability that you will take from the system. That is the basis of all insurance...whether its auto, health, property or liability insurance. |
apparently it means nothing because you're missing the point that the insurance company has to assess the cost of all their insured customers. to the extent the insurance company has a larger pool of claims, everyone's insurance premium increases. selling insurance doesn't exactly give you much credibility in explaining how actuarials determine the premiums.
Clearly fat people impose more costs on the insurance company. If fat people paid premiums that fully compensated insurance companies for the cost imposed on the company by the fat person, then it would make no sense for the fat person to get insurance.
I know it's based on potential. but in the case of fat people, the actual cost is usually greater than the potential determined for the premium pricing. that increase is offset by people who don't impose as great a cost on the insurance company. if you don't understand that you should probably just quit your job
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Dec-16-2008 18:30
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Gen3r4l1ty
Supreme Fatty

Registered: Jun 2007
Location: So, CA
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This is just a baby step... what we really need is an UNHEALTHY tax... since even slim unhealthy people can put the same draw on health insurance as fatties.
So that means...
Sales tax hike on cigarettes, alcohol, fast food, soft drinks, red meat, white meat, meat, white bread, pasta, candy, butter, and pretty much anything besides fresh vegetables and beans. Since anything with ANY amount of empty calories or fat can lead to obesity.
Oh, and a 20% premium increase on anyone who can't run 5 consecutive miles, do 50 consecutive pushups, 20 consecutive pullups, and 300 consecutive situps. Cause even if you're thin and can't do a moderate workout, you're a sickly prick thats gonna end up hiking up my health insurance premium.
Lets not forget lethargy-inducing hobbies. 20% tax hike on your cable and internet bill, along with a 15% increase in sales tax on all Tv's, movies, and video games.
But isn't all this taxing silly? I mean, if we REALLY want to control this epidemic, we need to just make all these offending activities and consumables illegal. That way, the sheep of the world won't even be tempted by these high risk behaviors, and we can rest assured knowing that the all-powerful gubment will keep us safe, secure, and warm.

___________________
What?
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Dec-16-2008 18:34
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