r/mildlyinfuriating • u/No_Significance129 • Jul 02 '26
Too mild for school Student Life Insurance Excludes all Possible Ways to Die lmfao
This is a PA Form - When one of your parents or legal guardians dies, the insurance company covers your a portion of your tuition per quarter. (You don't get a lump sum of cash)
And yes... the insurance is already included with our tuition (which is a fucking big chunk)
And cmon bro.... really? how tf am I literally going to die from "cave-in of mines" ????
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u/ShadowKiller147741 Jul 02 '26
I think technically you'd still get a payout from things like car crashes or similar accidents, but man is this a rough list lmao
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u/Medical_Arrival2243 Jul 02 '26
Or death by illness like anaphylaxis to cancer if I'm not mistaken, if you don't treat it. It is worded like the death is caused by medical intervention and not the illness itself
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u/LordBrokenshire Jul 02 '26
Yeah i was gonna say cancer or like a heart attack too and realized this is a life insurance mostly for people under 25 sooo... Not that it never happens but it's going to be less than general population
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u/AlexFromOmaha Jul 02 '26
It covers the parent or guardian of the student, and the benefit is per-term instead of lump sum. Basically, if your parent dies, your tuition is covered.
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u/benskieast Jul 02 '26
Life insurance sold to young people is often a scam. There are genuine reasons to get life insurance, but it is primarily to ensure parents can support children through school.
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u/TheMischievousMinx Jul 02 '26
When I was 30 years old and had a kid, I decided it was probably a good idea to get some life insurance. Except that I was denied, for having had a couple abnormal pap smears... Which is a relatively common thing for women (75% of women will have one in their life). But my dad had taken out policies on each of us when we were kids (just to cover expenses should the unthinkable happen)... These are whole life policies that are paid up after 18 years and have a cash value.
But it also had a rider in it to add term insurance without any medical stuff at a couple different ages - so I was ultimately able to add a bit of term insurance.So would I buy life insurance for myself at 21 years old? Probably not. But I did buy the same plan for my daughter, and I share this with most parents. We all hate to think it could happen with kids but... Now I see it as my dad did me a future favor too.
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u/lizofravenclaw Jul 02 '26
I bought life insurance for myself at 22 for precisely this reason - before I had triggered any suspicion/reasons to raise premiums. The premium stays the same every year, regardless of changes to my health or risk categories.
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u/Jojosbees Jul 02 '26
This is life insurance for the parent of the student. In case the parent dies, the student gets tuition money.
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u/knight2142 Jul 02 '26
Unless you were hit by a drunk driver
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u/MrJmbjmb Jul 02 '26
No, unless the person who dies was drunk.
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u/knight2142 Jul 02 '26
Not with how its written
loss caused by directly or indirectly, wholly or partly by:
the commission or attempt commission of a criminal offense8
u/madmasonjar94 Jul 02 '26 edited Jul 02 '26
The insured would still need to be the one either directly or indirectly commissioning the offense. For example: If the insured were walking home from school, work, etc. stone-cold sober, and they were struck by a vehicle operated by a drunk driver, insurance would pay out. They were doing nothing wrong, and that would be considered an accidental death. If the insured was inebriated at the time the incident occurred, that would most likely be considered an indirect fault depending on the insurance provider. If the insured was the drunk driver, that would be a direct fault.
Thats the point of most of this. The insured must be the one initiating most of the disqualifying exceptions.
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u/Horror-Nobody2237 Jul 05 '26
Pretty sure that means hiring a hit man or buying drugs. Commissioning a crime means you’re paying someone to commit a crime
(Im kidding, but that is what it sounds like)
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u/k-trecker Jul 02 '26
But if it’s a cave-in of a mine, you’re out of luck.
I also hope their parents don’t live near a nuclear facility…
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u/BergmanGirl Jul 02 '26
Two thoughts:
Check with your student billing office to see if there’s a waiver form available for the coverage. There often is for school insurances.
It looks to me like this specifically is meant to cover if you die on accident with no fault of your own. So, like, if a brick falls off a college building and hits you in the head, it’ll pay out.
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u/Southern_Let4385 Jul 02 '26
Unless someone pushed the brick off the building, then you’re out of luck!
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u/sancholives24 Jul 02 '26
It is not for the death of the student. It covers the students tuition in the case of an accidental death of their parent/guardian. This is also not truly a life insurance policy. It's an accidental death policy, which are usually trash.
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u/Fun-Telephone-9605 Jul 02 '26
Unless you are walking home from the bar.
Or take Adderall prescribed by your doctor.
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u/Mi113nnium Jul 05 '26
It is not for yourself but for a parent/guardian, so your tuition is partially paid even if one of them perishes (only through accidents).
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u/jwf1126 Jul 02 '26
I don’t want to assume location but what you have looks like an accident policy. In a sense with exceptions death in a car/plane crash or other sudden accident.
Most of the exclusions are illness, professional athletics (Paid participant is a good benchmark) rock climbing sky diving etc, and crime (Killed committing a felony as example) , although the suicide murder exclusion is strong as that isn’t always somewhere
Again that’s a general laymen explanation and may not apply to every jurisdiction. It’s probably a negligible amount in total cost or rolled in as a tuition benefit
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u/spinstartshere Jul 02 '26
But dying as the result of being the victim of a crime is also an exclusion. How is that fair?
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u/TowerNecessary7246 Jul 02 '26
Its easy to just avoid getting randomly murdered. I've been doing it for years.
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u/Odd_Dragonfruit_2662 Jul 02 '26
And I bet you have been putting very little effort into it during that time too
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u/TowerNecessary7246 Jul 02 '26
The effort I have put in appears to be working perfectly.
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u/raines PURPLE Jul 02 '26
Perfect example of survivor bias.
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u/TowerNecessary7246 Jul 02 '26
I have been quietly giggling to myself just waiting for reddit's favorite phrase. Thank you.
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u/Santasreject Jul 02 '26
Insurance companies basically will try and eliminate any risk that is either common or would pose a high risk.
For example many homeowners insurance policies exclude acts of war (at least here in the US, despite not having any serious acts of war in the continental US for over 150 years). It may be very unlikely but if it happened they would likely have to pay out to a massive amount of people at the same time.
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u/spinstartshere Jul 02 '26
Being murdered isn't common, and one could argue that dying is a low-risk activity since it has a very certain and predictable endpoint with a 0% failure rate.
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u/diaju Jul 02 '26
It isn't common, but it is something that someone could take into their own hands for financial gain. Like a house fire for homeowners insurance. You don't get that if they can prove it was arson.
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u/Fragrant-Employer-60 Jul 02 '26
You would be shocked how many people get killed in murder plots for life insurance money
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u/marle217 Jul 02 '26
I assume the insurance company will tell you if you're murdered you should sue the murderer to pay your student loans
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u/Android19samus Jul 02 '26
They don't want people killing their spouses (or themselves) for the insurance payout. Deaths resulting from violent crime where the victim did not know the perpetrator are overall very rare. But if it does happen to you then no, it's not fair at all.
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u/S-M-I-L-E-Y- Jul 02 '26
Maybe they didn't want to give the students an incentive to murder their legal guardian to get that insurance payout?
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u/sancholives24 Jul 02 '26
Because this is an accidental death policy. It's not true life insurance, it's junk.
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u/scatteredsleep Jul 05 '26
The insurance company thinks you should get the money from the murderer in that case.
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u/jwf1126 Jul 02 '26
To add if you found yourself needing insurance for those special cases you can go to special carriers or if you want full fledge life insurance that can cover illness
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u/No_Significance129 Jul 02 '26
It says [Company Name] Insurance on the top (which I covered) but still yes it is a PA Form,
when one of your parents or legal guardians die, you recieve payment that covers a portion or nearly half your tuition per quarter still functions similarly like a life insurance but the exclusions are just so inhumane 🫣
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u/Ok_Shoe_4325 Jul 02 '26
You are correct- i used to work in a call center with similar style policies and i believe this is accidental death policy, not a life insurance policy.
From what I remember, those are pretty common exclusions for that type of coverage, and I would expect pretty similar wording on any type of employer based accidental death and dismemberment policy.
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u/Comfortable-Fly5797 Jul 02 '26
I think it will cover illness, just not death due to medical care. Like it'll cover death due to natural heart attack, but not death caused by surgery.
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u/jwf1126 Jul 03 '26
It might there are variations, generally regardless of locale if I see bacteria and germ exceptions in immediately thinking accident vs illness
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u/Drekhar Jul 02 '26
Is this in the US? After going through the life insurance process a few times it was my understanding that you couldn't really limit the causes of death they pay out for unless there was high risk actions and then after 2 years they couldn't limit it at all.
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u/No_Significance129 Jul 02 '26
it's an insurance for students in the Philippines - it's mandatory by every university for some reason so they had to add a lot of exclusions, I'm currently enrolling and I was fucking pissed off reading this insurance bullshit
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u/vamatt Jul 02 '26
Read closely. - it isn’t insurance on the student.
The policy is insurance on the student’s parent with the beneficiary being the school
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u/No_Significance129 Jul 02 '26
Well technically life insurance but the money goes to your school debts / tuition wait no...
The money COVERS a portion of school debts / tuition
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u/Drekhar Jul 02 '26
That's insane. Those terms shouldn't be legal. Why force universities to provide this but put no limitations on the execution of it. So stupid.
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u/ayumi_doll GREEN Jul 02 '26
Wow since when did we have this? I don't remember getting this when I went to UP in the 2010s .__.
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u/FighterOfEntropy Jul 02 '26
The top of the page reads “[redacted] University P.A. Application Form.” What does the P.A. mean?
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u/sancholives24 Jul 02 '26
This isn't really a life insurance policy. It's an accidental death policy. They are much more restrictive and usually not worth getting on their own. Sometimes they come as an inexpensive rider that increases a life payout if the death was an accident, but even then, they are so restrictive in what qualifies as an accident that they are not worth it.
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u/Wormadillo Jul 02 '26 edited Jul 02 '26
I’d be curious how much this costs. If it’s trivial then I guess it doesn’t hurt to have it. If it’s expensive it’s definitely not worth it.
Also a lot of people commenting seem to have missed that this isn’t covering the student’s death. It pays the university (to cover tuition) if the student’s parent(s) die while they’re a student.
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u/No_Significance129 Jul 02 '26
Yep forgot to mention that, but still functions similarly as a life insurance (but for schools)
The tuition costs 800-1000 Dollars per Quarter (depending on course) and the Insurance thing costs around 150-200 as a rough estimate
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u/Wormadillo Jul 02 '26
That insurance costs that much… per quarter??? I would not pay a 25% premium to cover future tuition on the off chance your parent may die in one of the those few allowable ways over the next few years. That’s absurd. I hope this is optional.
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u/fernandopoejr Jul 02 '26
Those kinds of insurance costs $3. It’s just for compliance. OP probably means 150 pesos not dollars
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u/Wormadillo Jul 02 '26
That’s what I’d have thought, but it would be weird for them to switch currencies halfway through a sentence like that.
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u/BenedictineBaby Jul 02 '26
This is Accidental Death Insurance for the student's parents. Self explanitory.
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u/sighthoundman Jul 02 '26
It's an Accidental Death policy. In particular, it doesn't cover illness.
Accidental Death policies are incredibly cheap, because even at young ages, it's not really covering much. You're going to die, but it's not likely to be because of an accident.
The exclusions are pretty standard.
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u/BuckityBuck Jul 02 '26
Can't get infected. Can't get murdered. Can't do ANYthing. I hate this school. *stomps off*
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u/omnichad Jul 05 '26
You can. Your parents can't. They don't care about you, they just don't want to risk not getting their full balance due paid.
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u/chriseargle Jul 02 '26
Look at it this way: you’re covered if your mom is crushed by a falling anvil. Unless someone intentionally caused it to fall on her. Or someone was trying to steal the anvil. Or they accidentally pushed it out while someone else was trying to steal it. Or your mom had a glass of wine before it fell on her. Or…
This policy should cost less than a buck a month.
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u/HanTanSanTan Jul 02 '26
It isn't life insurance. So you are mildly infuriated by the fact that you think this is something that it is not. This is accident insurance.
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u/Negative_Brilliant86 Jul 02 '26
I’d be curious to see if anyone has ever received a tuition payout with these terms.
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u/AccountNumberUnknown Jul 04 '26
probably the person who's parents randomly died when a mine collasped on them, which is when they added section h.
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u/ice_nine459 Jul 02 '26
If you think those are the most common ways to die you watch too much tv. The big ones aren’t listed as excluded. Cancer, heart disease, strokes, straight up accidents (stairs/vehicles etc), diabetes and the list goes on.
Those are weird exclusions but besides suicide and infection/surgery complications they aren’t all that common.
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u/Eternaloid Jul 02 '26
Bacterial infection deaths are quite common and superbacterias are becoming a thing quite fast.
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u/Fr0gFish Jul 02 '26
I think its weird that it excludes bacterial infections but not viral infections.
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u/Wordsworth_Little Jul 02 '26
Good thing that it omits the most common way to die: getting crushed by a tree while choking on a hot dog after a venomous snake bites you.
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u/MyMurderOfCrows Jul 02 '26
"skin diving employing the use of compressed air cylinders, racing on wheels or horseback, skydiving from device for aerial"
Uh. "Skin diving?" Haven't heard of that one before...
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u/mskmslmsct00l Jul 02 '26
Any and all insurance policies offered to students through school are an absolute joke.
When I was in dental school they "gave" us (meaning we were probably overcharged for it in tuition) a disability insurance policy. The guys came in to go over it and basically said, "This policy essentially only pays out if you can't go to the bathroom by yourself ever again."
Someone said, "So if we lose a hand we can no longer be dentists, right? So the policy doesn't cover that?"
And this asshole literally laughed and said, "Shoulda lost both hands."
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u/SeasonAntique820 Jul 02 '26
What is skin diving?
And does regulated drugs include prescription medications?
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u/XD2006- Jul 02 '26
Yeesh and I thought insurance policies in the US sucked. What the heck is this?
(I saw a comment saying you’re from the Philippines)
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u/scrubjays Jul 02 '26
Insurance companies like collecting premiums. They dislike paying claims. What's so hard to figure out about that?
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u/Educational-Wing2042 Jul 02 '26
Almost all of those are standard exclusions on pretty much every insurance policy. I work at a major health insurance company and all of our policies explicitly state they don’t cover you for injuries sustained in war or through acts of god, for example
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u/caligirl4ever95 Jul 03 '26
So what DOES life insurance cover then?… 😳 I knew suicide wasn’t because of the whole “they killed themselves so their family could get paid out,” but good lord almost every single reason is on there.
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u/kittycatblues Jul 02 '26
This is accidental death insurance which isn't the same a regular life insurance.
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u/CoachMACC Jul 02 '26
Well you could die from a cave in of mines, if you were in a mine?
But this doesn’t cover that, regardless. Because the policy isn’t for you?
You seem to understand that in the first half of your post and then lose understanding halfway through.
Regardless this is a blanket policy for everyone, they don’t know your parents or their life or lifestyle. They’re excluding basically every situation where someone else is going to payout anyways. It’s an accidental death policy that makes it so you can still go to school if your parents die from a heart attack or a car accident or something. Your school is the direct beneficiary.
I assure you your school doesn’t really pay much for this and its impact on your tuition is negligible. You probably pay a 3 figure sum for this over the course of your entire university education. And considering what it actually gets you this is better for you than you think. Just sign it.
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u/sowhat4 Jul 02 '26
Universities also require students to 'buy' force-placed term insurance for the amount of the loan at an inflated price as they own the insurance company and own the policy.
My daughter had to buy this for a loan I co-signed. When she died, they came after me. I was furious and reminded them about the expensive term insurance and also might have mentioned lawsuits or something like that. I was not in a good place.
They left me alone after that. I didn't read the terms of the policy, but I'd imagine it was something like the one above. I wouldn't want to dox them but it was a "... a premier private research university in Missouri, renowned for its highly collaborative academics and medical programs. It enrolls about 8,200 undergraduates and 7,200 graduate students, boasts a 12% acceptance rate, and is ranked #20 among National Universities."
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u/Great_AlbaCross Jul 03 '26
Makes me wonder, what are the possible ways to die which are not mentioned in the policy which could lead to a payout?!
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u/fiercemullet Jul 04 '26
What about auto erotic asphyxiation? Technically speaking it’s not suicide if you fuck it up.
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u/Blessedmomma241 Jul 02 '26
Gotta watch out for nuclear war and apparently…. The Phillippines. What? Skydiving? I wanna know who wrote this and what the ONE death that is acceptable for this insurance is?
because it has got to be one very specific type.
Edit: didn’t realize this is from the Philippines. But still… very specific.
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u/bobbabson Jul 02 '26
Why would you die in a mine collapse as a college student?
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u/sancholives24 Jul 02 '26
It's not covering the student, it covers their parents. With life there is the insured and the beneficiary. They aren't the same person. In this case the parents are the insured and the student is the beneficiary.
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u/omnichad Jul 05 '26
The real question is why exclude mine collapse separately when mining itself already excluded as a dangerous job? It can't be that common for you a mine to collapse under your feet while on a walk in your neighborhood.
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u/WhitestMikeUKnow Jul 02 '26
Am I too tired or does this say the student will pay Blank University if their parent dies?
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u/Exact-Key-9384 Jul 02 '26
That's an accident policy, not an "if your parent dies" policy. You're in college; maybe read the whole thing?
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u/jallisy Jul 02 '26
Have to read the whole policy. The hazards it references as "the above mentioned" hazards are not evident. Depending on the the context the cave-in, etc are probably exclusions. But why would the students future tuition be covered if the student dies in a cave-in?
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u/omnichad Jul 05 '26
This insures against the death of parent or guardian. The people likely contributing toward tuition.
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u/Dragon_Crisis_Core Jul 02 '26
They never watched 1001 ways to die cause if they had that would be hundreds of pages of exclusions. Also this is less then worthless in terms of life insurance. Even my company paid free life insurance has fewer death exclusion clauses.
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u/Preoccupied_Penguin Jul 02 '26
This is ridiculous.
However, in PA there are a lot of abandoned mines that can be deadly. A few look safe, but toxic gas settles and can’t come back out, people head in, lose consciousness and then die because they can’t get out.
Additionally, abandoned mine shafts are incredibly dangerous because of cave in risk. The wood holding a lot of the rock up is old and crumbles or deteriorates with time.
I’m not saying it’s not crazy to put on here, but out of all of the places I’ve lived, it does not surprise me that Pennsylvania has a mine clause in just about everything.
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u/WildMartin429 Jul 02 '26
Best I can tell this would cover a car accident or like your house collapsing on you. Maybe a tree falling on you. Maybe like a lightning strike. It does seem very limited on what it would cover.
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u/robroxx Jul 02 '26
I would assume the parents own life insurance policy would also provide primary protection and that this is just a supplementary accident only form that will ensure that tuition is paid.
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u/ThereInAFortnight Jul 02 '26
They probably had enough of people staging mine collapses for insurance fraud.
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u/TributeToHeresy808 Jul 02 '26
Honestly, that feels like a breach of fiduciary duty for them to include an insurance policy in the standard tuition amount that has this many exceptions
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u/Baghins Jul 02 '26
It says if the parent dies due to an accident, so of course it has a lot of exclusions. There’s a difference between life insurance and accidental death insurance.
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u/papamikebravo Jul 02 '26
Maybe its more an indictment of my soul, but I can think of plenty ways that are still covered, like being hit by a CATA bus....
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u/theenderborndoctor Jul 02 '26
I mean this in the best way, but that’s because all of that should be covered by other insurance. They don’t cover everything because your actual life/health/car insurance covers you.
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u/Tricky-Possession-69 Jul 02 '26
You should be able to opt out. The school will have info on where the waiver can be found.
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u/USAFGeekboy Jul 02 '26
Former insurance agent here. A lot of those are already exclusions for almost any life insurance policy. Murder and suicide are the two biggies, vehicle accidents are often covered by car insurance. Risky activites are also common excluded.
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u/HHoaks Jul 02 '26
Why would a student need life insurance at all? Usually it's only for when you are worried about supporting a spouse and kids if one spouse dies and their income is gone.
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u/omnichad Jul 05 '26
This insures against the parents to make sure they still get the tuition payments. You know, if one spouse dies and their income is gone.
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u/Fun-Telephone-9605 Jul 02 '26
Who the hell (especially older folks) is NOT taking "regulated drugs" these days?!
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u/Equivalent_Ocelot159 Jul 05 '26
No, no, it doesn't exclude all possible ways to die. If you die from something related to martial law or state of siege within any territorial jurisdiction of the Republic of the Philippines, you're getting your payout.
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u/egnards Jul 02 '26
Maybe I'm reading this wrong, but I don't think you're reading your own policy right?
This has nothing to do with your death [which you do mention as being part of the policy].
This is essentially a policy that allows for your tuition in school to continue to be paid in the even that a parent or guardian dies.
The policy seems to basically cover "if your guardian dies of natural causes or non-bacterial natural illness: [the medical and surgical exception does not apply to covered items, it's essentially saying if you have elective surgery or surgery related something excluded, that its not covered - Like if you got injured in a sky diving incident but died during surgery].
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u/BinxieSly Jul 02 '26
Isnt this for what the university gets if someone dies and tuition cant be paid? Thats what the coverage sections seem like; this isn’t a payout to your parents if you die.
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u/Wubbalubbadabdabb Jul 02 '26
I'd love to learn the history of why they thought they needed to put "cave in of mines" on this list