- Joined
- Dec 8, 2006
- Messages
- 93,481
- Reaction score
- 68,200
- Location
- Colorado
- Gender
- Male
- Political Leaning
- Libertarian - Left
The young think they are immortal, then they get old.
There are almost no serious illnesses in my family. I can eat what I want, and my cholesterol numbers are good. My blood pressure is that of a much younger man.
My mother had diabetes, but not til she was in her 60's. She died in her mid 80's. My father ignored a warning he got with his union job retirement physical, the doc said he had symptoms of colon cancer. Still, he made it to 75. Probably would have lived another 10 years had he gone to the doctor when he was advised to...
Both my parents smoked a lot, drank a little. All of my siblings smoked a lot, and 2 of them drank too much. They are enjoying much better health than they deserve.
I never smoked and rarely drank alcohol. Never did drugs.
Why am I the one to get Parkinson's? Just plain bad luck, I guess.
Aggregate that!!!:2razz:
Yes, that's exactly the point. Is that insurance is supposed to spread risk around for the customers. Because even with statistics and probabilities, no one knows how those probabilities can work out. Smokers may on average die sooner or have more health problems, but that doesn't mean the individual who smokes will necessarily realize those consequences. Same with healthy folk. So when we start charging different amounts to different people; we're doing so off of the statistics and applying it to the individual to minimize loss by the company. You're not so much in insurance-ville there anymore. A true insurance game would say "Ok, X people get cancer a year, there are Y people in the population, so that's x/y probability for any one individual to get it. It costs Z to treat, thus we charge everyone some amount which reflects the cost of the procedure and the probability of any one of our clients getting it.".