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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. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @Lexialex @JoelFarran

      It does, actually, there's a two year suicide exclusion after you buy the policy (to keep people from just buying it for the purpose of killing themselves) but afterwards they legally have to pay out

      2 replies 0 retweets 20 likes
    5. Joel Farran‏ @JoelFarran 18 Oct 2020
      Replying to @arthur_affect @Lexialex

      The laws are not necessarily consistent from state to state. Some states have more restrictive regs in place that provide insurance companies contestability options even after a certain period.

      1 reply 0 retweets 0 likes
    6. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @JoelFarran @Lexialex

      I'm pretty sure all 50 states follow the model law about suicide exclusions, with the ones that deviate from it doing so to be more generous, not less (reducing it to one year or eliminating it entirely) (This used to be my job)

      0 replies 0 retweets 4 likes
    7. This Tweet is unavailable.
      Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
      Replying to @Lexialex @JoelFarran

      Well it's the underwriter's job to keep you from taking out a policy at all whose face value actually is "more than you could ever earn", because it means you won't be able to afford the premiums long term and you'll get them in trouble for it

      7:12 PM - 18 Oct 2020
      • 1 Retweet
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      • austin Hoydenne Ray Radlein Judi Gunn is staying at home Arthur Chu
      1 reply 1 retweet 4 likes
        1. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
          Replying to @arthur_affect @Lexialex @JoelFarran

          Someone who makes $40k a year taking out a policy worth $2 million in and of itself is a red flag for insurance fraud and gets you investigated (Usually nothing as elaborate as faking your death to claim a payout, it's usually an insurance salesman trying to juice their numbers)

          0 replies 1 retweet 5 likes
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        2. Arthur Chu‏Verified account @arthur_affect 18 Oct 2020
          Replying to @Lexialex @JoelFarran

          I mean, fairly well? I used to work in the industry and believe me I don't have a rosy picture of the industry at all but the biggest problem with it is absolutely not a rash of massive claims being paid due to murders and suicides

          1 reply 1 retweet 3 likes
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