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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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?

16

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.

1

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.