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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. This Tweet is unavailable.
    2. Joel Farran‏ @JoelFarran 18 Oct 2020
      Replying to @Lexialex

      Unfortunately you will hear suicidal individuals say the same thing.

      1 reply 0 retweets 4 likes
    3. This Tweet is unavailable.
    4. Dr. Steve‏ @steveintransit 18 Oct 2020
      Replying to @Lexialex @JoelFarran

      Not always true.. a few employer policies do pay out regardless, maybe 1-2x annual salary

      1 reply 0 retweets 0 likes
    5. This Tweet is unavailable.
    6. Jonathan Bell-Feins‏ @BellFizzle 18 Oct 2020
      Replying to @Lexialex @steveintransit @JoelFarran

      Life insurance policies pay out on suicide after 2 years of policy being inforce. Also, you typically need to provide financial justification for underwriting with life insurance so in reality you are almost certainly NOT worth more dead than alive.

      1 reply 0 retweets 1 like
    7. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @BellFizzle @Lexialex and

      You're "worth more dead than alive" in the sense that life insurance usually pays more than you *currently have*, but that's the whole point - it's supposed to pay enough to your kids to replace all the money you were *going* to make in the future

      1 reply 0 retweets 10 likes
    8. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @arthur_affect @BellFizzle and

      So that if you get hit by a car and die, your three kids won't have to worry about who's going to play the bills for the rest of their childhood (by this standard, most Americans who need insurance are probably actually underinsured, i.e. "worth more alive than dead")

      1 reply 0 retweets 8 likes
    9. Jonathan Bell-Feins‏ @BellFizzle 18 Oct 2020
      Replying to @arthur_affect @Lexialex and

      Yes most studies show huge under insurance gap and something like 45-50% of Americans only have life insurance through work. I always tell people “if you have dependents, get life insurance.” Lot of people need it and unfortunately don’t have trusted sources to buy as well.

      2 replies 0 retweets 5 likes
    10. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @BellFizzle @Lexialex and

      The trend with insurance as in many other things in this society is that the poor tend to be underinsured, often WILDLY underinsured, and the rich wildly overinsured Because insurance is part of capitalism and capitalism is broken

      2 replies 5 retweets 24 likes
      Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @arthur_affect @BellFizzle and

      Most families that actually need life insurance the most based on the idea of what life insurance is supposed to do don't have any, at all Poor families with several kids surviving on the parents' income where if one parent dies or is unable to work they're completely fucked

      6:50 PM - 18 Oct 2020
      • 3 Retweets
      • 17 Likes
      • Amélia zzz Joel Farran SerenissimaL’Azzura Laurent Weppe 🔻 Iterate Onwards ClaroKC Capt Ladypants (Commissions open) 🦙Undercover Llama
      3 replies 3 retweets 17 likes
        1. New conversation
        2. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
          Replying to @arthur_affect @BellFizzle and

          Meanwhile the biggest profit margins in the life insurance industry are selling permanent insurance to wealthy retirees who already straight up have a huge estate they're going to give to their spoiled wealthy children With the whole thing just being an elaborate tax dodge

          1 reply 2 retweets 14 likes
        3. Jonathan Bell-Feins‏ @BellFizzle 18 Oct 2020
          Replying to @arthur_affect @Lexialex and

          Certainly a massive juxtaposition between life insurance ownership and transfer of wealth among segments of populous. Not sure how to solve this though on a national level. Access to life insurance to create generational wealth and address worst case in people’s lives is key.

          0 replies 0 retweets 0 likes
        4. End of conversation
        1. This Tweet is unavailable.
        2. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
          Replying to @Lexialex @BellFizzle and

          Again, this was a big fight - "moral hazard" is a big deal in the industry - and the two-year exclusion was considered a decent compromise People considering killing themselves for the insurance money usually don't already have a policy and wouldn't be willing to wait two years

          0 replies 0 retweets 2 likes
        3. End of conversation
        1. Solipsister‏ @Solipsister 18 Oct 2020
          Replying to @arthur_affect @BellFizzle and

          And a lot of those same not-rich folks who should have life insurance are in risky jobs where they really should also have catastrophic/long term care policies but don't.

          0 replies 0 retweets 2 likes
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