liljohnnymac
110844
1823
85
So Prudential denied the request to add me to my wife's employee life policy because I quit drinking 3 years ago. At least let me put on some lipstick because I like to lool pretty when I get fucked. #fuckmeinmylittlebutthole
Skawomplious
Because insurance companies are in it to make money, not to make you well.
Dadbodbot
Murica
IWannaShowYouThis
Congrats on the sobriety though! So, ...where on yourself were you planning to put on the lipstick for while you're... -- never mind.
mmmmdatgoat
I was recently denied as a schizophrenic. Its bullshit.
Justaweirdbitch
LIFE insurance not health insurance people. Read. Read shit before you pull out your soap box.
veggielasagna
I love how he’s like “they denied me because I quit drinking!”
mephiston
take up smoking and you'll go right on
HeDaGeiBoi
Or just lie and tell them you smoke, like an intelligent person
DirkNurple
Because they can. Your wife likely can’t be denied as she is the employee, though she is the bigger risk.
JBRINXSY
I sell insurance ,it's a qualifying question for some underwriters.. what state are you in ?
TheMightySausagesWife
I got denied a life insurance policy because of an abnormal pap smear. I've had those for 12yrs, nothings changing, they didn't listen.
Fallacious24
auto decline for having a history of substance abuse. If you appeal it you might have a chance, typically need 5 years clean history though.
ibeatjake
So don’t die in the next 2 years?
NotaRealGreenDressThatsCruel
Or get sick
supersomatic
Insurance is a for profit business. If the actuaries calculate that you probably won't turn them a profit: no insurance. Pretty simple.
dijital101
Because you can die instantly as a drinker (car wreck) but a smoker dies a slow death where they're likely to let the policy expire.
QueenCousland
Even discounting car wrecks, I've never heard of a nicotine equivalent of alcohol poisoning.
Ljay2206
I’m a financial advisor with northwestern mutual- if your interested in talking feel free to message me and I’ll send you my email.
Ljay2206
Just helped someone in a similar situation, I don’t see why you wouldn’t be able to be approved
lawideas
That's because alcoholism will cut far more years off your life than smoking. The insurance industry is all about actuarial tables.
JustaDick
Dude, if you quit drinking what else is there to live for? That makes you a suicide risk.
TheWholeBlueberryExperience
I know what you mean. I got denied from the military because of depression and self-mutilation for staying at a mental hospital in 9th grade
AbsurdSteak
I know that sucks, but it's a rule made to protect people who are already mentally unwell. Military can leave mental scars on people.
DropDeadFread
Why would you tell them that? They can't access juvenile medical records.
TheWholeBlueberryExperience
They requested my medical records like immediately because I had no issues in the past 5 years to speak of and he wanted a reason to reject.
Corrodias
Especially considering how poor the military is at taking care of its people afterward, I'd agree, I think you dodged a bullet, there.
pandro
hyuk
Corrodias
That is, if we're talking about the USA. I don't know how it is elsewhere.
ThatOneGuyFrom6thGrade
Buy me dinner, I like to be wine-and-dined before I get FUCKED!
NineColonels100
Start smoking.
CidColetti
File an appeal.
1metalnation
Pru likes smokers but hates alcohol. Try transamerica premier, or voya
Bastion97
If you don’t have insurance make sure they wear a condom
Dickpicsplznthnx
If your wife’s cool with it I will oblige to your hashtag.
jackalope2196
Because it's "Life" Insurance, not health insurance. You're still gonna die before her.
nolittleplans
Cause you can't slam into a ton a cars in an intersection if you smoke and insurance don't work off trusting you to never drink
illogicalphallicy
LouPole101
Well, you "can", but it will likely not be due to your smoking.
Liquidbullets
Depends what you're smoking
LouPole101
Touche.
nocebo
Becauae no one likes a quiter
ILickMyFingers
Ok let's talk about your tag.
ruferto
he likes to wear lipstick to look pretty for you
SirReginaldDukeOfChutney
It helps his mom find his posts?
badgerbadgerbadgermushroommushroom
LiRivera
It's true though.
stabbedintheface
Because statistics...
MustBeThatDutchDude
And because profits. They need to make a huge amounts of profit.
[deleted]
[deleted]
stabbedintheface
Risk pools = statstics
veggielasagna
Good point - I love how he thinks he’s denied because he stopped drinking
EraEjecta
Insurance is a weird thing (I work in the industry and I'm a smoker). She may get special coverage through work without needing to provide >
EraEjecta
>evidence of insurability but her spouse policy may require it. With time, you could get a recon.
CardboardMecha
Life Insurance =/= Health Insurance. Different rules, different risk categories based on health history, criminal record, lifestyle.
710FPS
Appeal it. Make them explicitly state that they denied adding someone who is got treatment and is clean. Publicize.
mikeatike
"oh yeah, good point" *cancels wife's insurance, too*
izackhaze
Wouldnt mentioning the wife, be more focusing on OP being clean.
OrkoTheMagician
Contact your state Department of Insurance. Probably won't help, but it's your best bet. And, yes, they'll put it in a declination letter.
Fallacious24
If OP can get some letters of recommendation from some influential people he may be able to still qualify.
hotdudecurator
Like Jesus and Paul Ryan?
IAmTheBadW01f
John Cena
Fallacious24
They would never explicitly say that in a declination letter. He said yes to a knockout question which triggered the auto decline.
HillOfBeans
At which point the consumer must start appeal after appeal, phone calls to the top of management. Eventually they stop denying. It's a >
HillOfBeans
>bullshit system for sure, but learn to play the game.
Siedras
Yeah, you just have to appeal, it is just How the system works.
WellBehavedWomenRarelyMakeHistory
My doctors had to play this game with my insurance to get me an MRI. Nurse finally figured out the special code: "We have a surgeon on (1/2
WellBehavedWomenRarelyMakeHistory
standby, he just needs to know where to cut." Presto - instant approval after 8 weeks denial. (FYI MRI's are not for the claustrophobic or
ReaperCDN
There's an easier way to play: Take it to the papers and let them know you are.
OnlyWantToSayOneThing
There are easy to use systems to fix this issue without going to the press... being too lazy to pick up the phone is no excuse. 1/?
ruferto
eh
OnlyWantToSayOneThing
"We refuse to fill out the single form needed to fix this, time to go to the press!" There are systems to fix this... 1/?