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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Patrick McKenzie‏ @patio11 26 Jun 2019
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      Random unsolicited endorsement: http://getethos.com  was willing to write a $1 million term life insurance policy at a reasonable rate without requiring a medical exam or more than about 12 minutes of attention (over 3 days).

      5 replies 6 retweets 87 likes
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    2. Daniel Vassallo‏ @dvassallo 26 Jun 2019
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      Replying to @patio11

      True. And it’s not just death that can take away your future earning power.

      1 reply 0 retweets 1 like
      Patrick McKenzie‏ @patio11 26 Jun 2019
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      Replying to @dvassallo

      I really hope someone does similar product innovation for private long-term disability insurance but am kinda sorta worried about the viability of doing it. Hopefully some startup proves me wrong.

      11:58 PM - 26 Jun 2019
      • 3 Likes
      • Filippo Valsorda 🇮🇹 speck of dust in time and space eCom Products Group
      3 replies 0 retweets 3 likes
        1. New conversation
        2. Daniel Vassallo‏ @dvassallo 27 Jun 2019
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          Replying to @patio11

          It’s really much more complex. Death has the advantage of being unambiguous and hard to fake. I just bought $10K/mo disability coverage until age 67 for $2.5K/yr premium, and I am surprised by the broadness of coverage. But it’s very specific to the profession being covered.

          1 reply 0 retweets 1 like
        3. Kevin Prentiss‏ @kprentiss 27 Jun 2019
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          Replying to @dvassallo @patio11

          Think you could save me a few steps and let me know what company you went through? I bet our professions are close enough and I would love that deal.

          1 reply 0 retweets 0 likes
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        2. Phil Freo‏ @philfreo 27 Jun 2019
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          Replying to @patio11 @dvassallo

          http://PolicyGenius.com  makes it pretty simple. Especially good content marketing/education and making it easy to get quotes. Some parts of process could still be streamlined though.

          1 reply 0 retweets 1 like
        3. Daniel Vassallo‏ @dvassallo 27 Jun 2019
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          Replying to @philfreo @patio11

          Yep, I used PolicyGenius to find my disability insurance & I recommend them. Still, very different from what @patio11 described with http://getethos.com . I still had to do a medical exam, go through all my medical history, over 2hrs of ☎️ interviews, & took ~3mo to underwrite

          1 reply 0 retweets 0 likes
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        2. Malcolm‏ @Malcolm1001 27 Jun 2019
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          Replying to @patio11 @dvassallo

          Critical lllness Cover (as its called in the UK) is quite well established in a few parts of the world. It's at least an order of magnitude more expensive than life insurance though. https://en.m.wikipedia.org/wiki/Critical_illness_insurance …

          1 reply 0 retweets 1 like
        3. Daniel Vassallo‏ @dvassallo 27 Jun 2019
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          Replying to @Malcolm1001 @patio11

          My US disability insurance also has a list of predefined illnesses that immediately trigger the benefits. But then it goes way broader, and supposedly covers any illness that causes any loss of income while exercising my profession.

          0 replies 0 retweets 0 likes
        4. End of conversation

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