#they literally said ‘we don’t offer life for that zip code’ even tho if I apply for a bundle they offer 100k or less

[taviokapudding]

My dad requested I helped find life insurance for himself and my mom & I’ma keep it honest with all of you. Tbh I think it’s incredibly cruel that 4 different main stream agencies have rejected or have given them some of the shiniest quotes of less than 250k for both of them because of their zip code

They can afford to pay the $300+ monthly fee, they’re totally down for a 500k plan or even higher if it was offered or existed.

You would think a State Farm, Allstate, Geico, or AARP wouldn’t be as cruel but the way the US treats its elders is fucked up. How would they have known, roughly 30 years ago when Google wasn’t even accessible to the masses properly yet, that where they bought a home would determine whether or not they get life insurance? I literally would have to move out to get coverage and based off all the addresses I used (I just looked up houses in the neighboring zip codes) I would have to move literally 40 zip codes away into a different city. I live in TX and that means over 5k people around me unknowingly cannot get life insurance ever or have to really dig to find options.

Did all of you know that where you live could determine whether or not you are allowed to leave behind extra money for you loved ones when you die 50+ years from now? I fucking didn’t and now I have to reconsider my whole life because I’m inheriting their home when they do die. It would be cheaper for me to immediately sell it than move while I’m still alive y’all

It’s horrifying because most people don’t look at life insurance until they’re over 40, much less start investigating in their 20s like me. How many people across the US have no idea they will have to spend several weeks asking for third or fourth parties to help because Medicare or their apartment/house/car plans don’t include life bundling? Or if they offer bundling the apartment/home/car insurance coverage turns into ass? The fact bundling is promoted by everyone but they don’t explicitly say “where you live is why we say no” until you start aggressively asking. It’s cruel and unusual. Doubly if you’ve already set up a or multiple other plans with said mainstream insurances so, ya know?

In short, I know it sucks but start looking into life insurance for yourself if medical is too expensive because you need to know if options exist and where you need to move too if they don’t