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arthur_affect's profile
Arthur Chu
Arthur Chu
Arthur Chu
Verified account
@arthur_affect

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Arthur ChuVerified account

@arthur_affect

Mad genius, comedian, actor, and freelance voiceover artist broadcasting from the distant shores of Lake Erie (he/him)

Broadview Heights, Ohio
arthur-chu.com
Joined August 2009

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    1. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020

      Arthur Chu Retweeted

      The purpose of life insurance is supposed to be to replace your lifelong earning potential for someone who was depending on it (if you're raising a kid, eg), and most people's lifetime earning potential has been trending down from what they were expecting https://twitter.com/Lexialex/status/1317927771297828864 …

      Arthur Chu added,

      This Tweet is unavailable.
      1 reply 10 retweets 45 likes
    2. Brigid Keely‏ @brigidkeely 18 Oct 2020
      Replying to @arthur_affect

      Most people I now right now view "life insurance" as something that will cover their funeral and at most a year of their income for their family.

      1 reply 0 retweets 7 likes
    3. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @brigidkeely

      One problem is that the "right time" to buy life insurance if you're ever going to buy it is when you're as young and healthy as possible, before they have any reasons to bump you into a more expensive category But that's when most people have no idea if they're going to need it

      2 replies 2 retweets 18 likes
      Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @arthur_affect @brigidkeely

      Like, bluntly, if you never end up having kids or other dependents then life insurance is objectively a waste of money (It mathematically HAS TO BE, the actuaries' whole job is to make sure an insurance policy has negative expected value, that's how the company makes money)

      5:20 PM - 18 Oct 2020
      • 3 Retweets
      • 18 Likes
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      5 replies 3 retweets 18 likes
        1. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
          Replying to @arthur_affect @brigidkeely

          So asking people to purchase life insurance on the individual market is asking them to consider life questions that may well be totally irrelevant to them several years in advance ("how much money will your kids need if you die")

          0 replies 2 retweets 9 likes
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        1. Joshua Green‏ @YellowstoneTen 18 Oct 2020
          Replying to @arthur_affect

          This reminds me of a Great Big Sea song where a father and son want a nicer fishing boat, and the punchline is that the dad dies of old age and his life insurance buys a new boat for the (now adult) son - and this is *horrible* financial planning!https://www.youtube.com/watch?v=JUo5NqEBNWU …

          0 replies 0 retweets 2 likes
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        1. New conversation
        2. Ken Tobe‏ @KidThorazine 18 Oct 2020
          Replying to @arthur_affect @brigidkeely

          depends on the kind of policy you have, if its a solid policy you can use it as collateral on a loan or sell it off.

          1 reply 0 retweets 0 likes
        3. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
          Replying to @KidThorazine @brigidkeely

          Enh The way the math works out you could've just not bought the policy and put the money in investments and come out ahead - because, again, that's how the company makes money

          0 replies 0 retweets 0 likes
        4. End of conversation
        1. New conversation
        2. Solipsister‏ @Solipsister 18 Oct 2020
          Replying to @arthur_affect @brigidkeely

          Old enough to remember when it was very common for parents who could afford it to buy a newborn boy a life insurance policy and a girl a burial insurance policy, the latter to be transferred to her husband at marriage.

          1 reply 0 retweets 1 like
        3. Brigid Keely‏ @brigidkeely 18 Oct 2020
          Replying to @Solipsister @arthur_affect

          Oh ew.

          1 reply 0 retweets 1 like
        4. Show replies
        1. New conversation
        2. Charlie Galvin  🗽 🇺🇸‏ @cxarli 18 Oct 2020
          Replying to @arthur_affect @brigidkeely

          My parents bought me a life insurance policy when I was a baby. I’m 60 now. Cash value is 5 figures, against which I may borrow at a hardwired rate of 5%. Pays dividends, and I have to pay tax yearly because I’ve got back more than total premiums. Sucks to be them actuaries.

          1 reply 0 retweets 1 like
        3. Brigid Keely‏ @brigidkeely 18 Oct 2020
          Replying to @cxarli @arthur_affect

          LOL! I'm really glad this is working out for you. I don't know that insurance policies work like this now, which is why I haven't gotten one for my child although I considered it when they were a baby.

          1 reply 0 retweets 0 likes
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