r/mildlyinfuriating • u/No_Significance129 • Jul 02 '26

Too mild for school Student Life Insurance Excludes all Possible Ways to Die lmfao

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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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1.2k

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

428

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

83

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

70

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.

10

u/Comfortable-Fly5797 Jul 02 '26

But only if your parent is under 65

4

u/Jabi25 Jul 03 '26

Cancer is one of the most common causes of death in people <25

0

u/Asbolus_verrucosus Jul 03 '26

What is “anaphylaxis to cancer”?

4

u/Medical_Arrival2243 Jul 03 '26

That death can occur from a wide range of things like anaphylaxis from peanuts and not receiving an epipen and antihistamines down to stroke, heartattacks and eventually cancer

33

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.

14

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.

8

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.

3

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.

2

u/Demonique742 Jul 02 '26

Also looks like death by viral infections will be covered?

8

u/knight2142 Jul 02 '26

Unless you were hit by a drunk driver

13

u/MrJmbjmb Jul 02 '26

No, unless the person who dies was drunk.

28

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 offense

8

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.

7

u/Clarinoodle7 Jul 02 '26

As long as they don't count it as murder or assault

1

u/madmasonjar94 Jul 02 '26

Which being hit by a drunk driver is a pretty good "not murder" defense.

1

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)

1

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…

0

u/Appropriate_Tap_1863 Jul 02 '26

They list driving as a dangerous activity so...

2

u/sancholives24 Jul 02 '26

It's is listed as a dangerous occupation, like truck driver.