Mis-sold life insurance? Suspend payments?

[Monkeylegend]

deckster said:

Monkeylegend said:

I am stating a simple fact, nothing else. We are all moving closer to dying every second we live, nothing more, nothing less. If you wish to make it more complicated fill yer boots .

I don't do complex, I lead a simple life, and pre-ordained makes me think of religion

To paraphrase - to every complex question, there is an answer which is simple, obvious, and wrong.

Your 'simple fact' is only true if your death is a known fixed event. Which it isn't. It's something that is affected by your past, current, and future actions, plus a good bit of blind dumb luck. It's quite simply not true - and self-evidently over simplistic - to say that every second brings you closer to death.

So time basically stands still then.

You are getting to philosophical for me. I don't yet know when I am going to die, but I know for a fact that in writing this I am now a bit closer than I was before I started writing it.

Having said that I am slowly losing the will to live

[deckster]

Monkeylegend said:

You are getting to philosophical for me. I don't yet know when I am going to die, but I know for a fact that in writing this I am now a bit closer than I was before I started writing it.

I guess I'd sum it up as 'all seconds are equal, but some are more equal than others'.

Monkeylegend said:

Having said that I am slowly losing the will to live

You and me both. Marking down the time till the next conference call, which I know for sure will seem at least three times as long as it actually is...

[Monkeylegend]

TwigtheWonderkid said:

Monkeylegend said:

Man on internet getting confused as he is desperate to be right

Do you not get the gist of, whoever you are, wherever you live, every second you live brings you one second closer to death.

No it doesn't. You are just saying what's intuitive, ignoring facts. I'm not comparing Africa to japan, I'm comparing Africa to Africa.

Have you ever heard the phrase "high infant mortality rate". Just stop and have a think about that and what it means.

Some places have a stupidly high infant mortality rate. It could be, that if you're 5 years old, in that country, you have very little chance of making it to 15. But the 15 y/olds in that SAME country have a really good chance of making it to 25. Therefore, as a child in that country, making it to 10, 11 , 12....every second you live takes you further away from death, not closer to it.

Just because something is different to what you've instinctively believed for years, it doesn't make it wrong.

Not in my simple world

I am not talking about what you have just posted, you seem to have me confused with somebody who has an interest in this sort of stuff.

I am talking about me, and only me, I am getting farther away from my birth and closer to my death every day I live. If there is something more complicated about that statement I am not clever enough to understand it, or to want to understand it so I to your superior understanding of the meaning of life.

I wish I had never started this st now , I need a cup of tea. I am but a simple man with simple needs and thoughts. This is all too deep for me, but I thank you for your time in trying to educate me.

[TwigtheWonderkid]

Is Monkeylegend's theory for humans only, or all living things?

I'm thinking turtles now. 200 eggs in the nest hatch, but 190 of them never make the sea. They are picked off by birds and other predators. Of the 10 that make the sea, 7 die within a few months. Only 3 make it to adulthood. But, a young adult turtle will live for, on average, 60 years.

So how is the young adult closer to death than the baby turtle poking his head thru the sand and about to make a run for the ocean?

[Monkeylegend]

deckster said:

Monkeylegend said:

You are getting to philosophical for me. I don't yet know when I am going to die, but I know for a fact that in writing this I am now a bit closer than I was before I started writing it.

I guess I'd sum it up as 'all seconds are equal, but some are more equal than others'.

Monkeylegend said:

Having said that I am slowly losing the will to live

You and me both. Marking down the time till the next conference call, which I know for sure will seem at least three times as long as it actually is...

You should try retirement, it leads you into all sorts of bother on social media

[Monkeylegend]

TwigtheWonderkid said:

Is Monkeylegend's theory for humans only, or all living things?

I'm thinking turtles now. 200 eggs in the nest hatch, but 190 of them never make the sea. They are picked off by birds and other predators. Of the 10 that make the sea, 7 die within a few months. Only 3 make it to adulthood. But, a young adult turtle will live for, on average, 60 years.

So how is the young adult closer to death than the baby turtle poking his head thru the sand and about to make a run for the ocean?

Oh my fking gawd, we've moved onto turtles now.

[TwigtheWonderkid]

Monkeylegend said:

I am talking about me, and only me, I am getting farther away from my birth and closer to my death every day I live.

Not every day. That's the point. There may be days in your life, passed or still to come, where you face real danger. Stuck down a cave awaiting rescue, about to have a brain tumour removed. On those days, if the op goes well or you get rescued, you were closer to death before than you are afterwards. You've got older, but further away from death.

Now take that principle and apply it to national trends. Or turtles.

[TwigtheWonderkid]

Monkeylegend said:

TwigtheWonderkid said:

Is Monkeylegend's theory for humans only, or all living things?

I'm thinking turtles now. 200 eggs in the nest hatch, but 190 of them never make the sea. They are picked off by birds and other predators. Of the 10 that make the sea, 7 die within a few months. Only 3 make it to adulthood. But, a young adult turtle will live for, on average, 60 years.

So how is the young adult closer to death than the baby turtle poking his head thru the sand and about to make a run for the ocean?

Oh my fking gawd, we've moved onto turtles now.

Are turtles exempt from your unshakable belief that the older you get, the closer to death you are. If so, why.

I think it's beginning to dawn on you that you could be wrong.

[Monkeylegend]

TwigtheWonderkid said:

Monkeylegend said:

I am talking about me, and only me, I am getting farther away from my birth and closer to my death every day I live.

Not every day. That's the point. There may be days in your life, passed or still to come, where you face real danger. Stuck down a cave awaiting rescue, about to have a brain tumour removed. On those days, if the op goes well or you get rescued, you were closer to death before than you are afterwards. You've got older, but further away from death.

Now take that principle and apply it to national trends. Or turtles.

You are waaaaaaaaaaaaaay to deep for me. This is one of the troubles with the world we live in today, some people want to make it far to complicated and meaningful for the likes of me.

You are born, you live, you die. Every second you live brings you that much closer to dying, not nearly dying, just dying, in my world.

I understand those turtles live a very sheltered life though, those that survive. You were watching Sky this morning

[Monkeylegend]

TwigtheWonderkid said:

Are turtles exempt from your unshakable belief that the older you get, the closer to death you are. If so, why.

I think it's beginning to dawn on you that you could be wrong.

If it makes you feel vindicated to think that it's fine with me, but there again..............................

I have no wish to be right or wrong or to prove you right or wrong, we believe what we believe. I have never been a detail person, life's to short to become bogged down in such trivia.

I would not sleep well at night if I had your knowledge and understanding of life and death, sometimes it's best not to know

[TwigtheWonderkid]

Monkeylegend said:

This is one of the troubles with the world we live in today, some people want to make it far to complicated and meaningful for the likes of me.

I think "for the likes of me" is the key phrase in the above.

But this is one of the troubles with the world we live in today, people would rather believe the simple lie than the complex truth.

[selmahoose]

Dave Hedgehog said:

cashed out the policy

Just out of interest, does subtracting the premiums paid from the cashout make you a gain or a loss?

[Monkeylegend]

TwigtheWonderkid said:

Monkeylegend said:

This is one of the troubles with the world we live in today, some people want to make it far to complicated and meaningful for the likes of me.

I think "for the likes of me" is the key phrase in the above.

But this is one of the troubles with the world we live in today, people would rather believe the simple lie than the complex truth.

And quite rightly so, I am one of the simpletons and proud of it. A sense of humour and talking crap hasn't brought me to any harm so why change now ?

We need a balance, we can't all be walking encyclopedias.

[TwigtheWonderkid]

Monkeylegend said:

we believe what we believe.

Me too, until someone comes along and explains why I'm wrong.

Every day's a skool day and all that.

[Monkeylegend]

TwigtheWonderkid said:

Monkeylegend said:

we believe what we believe.

Me too, until someone comes along and explains why I'm wrong.

Every day's a skool day and all that.

I haven't actually said you are wrong, just that as far as I am concerned I am talking about something different.

[killerferret666]

Monkeylegend said:

I haven't actually said you are wrong, just that as far as I am concerned I am talking about something different.

That's how I see it.

All i keep reading is this turtle against this turtle etc...


You are simply saying ignore all outside influences no matter what, no comparisons etc...

The second after you've read this sentence you are now closer to death - Its a fact that cant be denied.

You cant stop time from heading towards a death, however you can accelerate it through your actions like walking in front of a bus.
The point they are saying is but you might not be closer to death than say a 99yr old man, which is true as well but not what you were saying. Well thats how I read it....maybe im wrong as well.

[Monkeylegend]

killerferret666 said:

Monkeylegend said:

I haven't actually said you are wrong, just that as far as I am concerned I am talking about something different.

That's how I see it.

All i keep reading is this turtle against this turtle etc...


You are simply saying ignore all outside influences no matter what, no comparisons etc...

The second after you've read this sentence you are now closer to death - Its a fact that cant be denied.

You cant stop time from heading towards a death, however you can accelerate it through your actions like walking in front of a bus.
The point they are saying is but you might not be closer to death than say a 99yr old man, which is true as well but not what you were saying. Well thats how I read it....maybe im wrong as well.

No you are correct

[hutchst]

TwigtheWonderkid said:

None. Gap cover can be just as useful for a cash buyer. Personally, I don't need gap cover. They tried to sell it to me but I declined. Had I bought it, it would have been mis-buying, not mis-selling.

My misunderstanding then. I thought it was cover to fund any gap between an insurance payout and the remaining amount due under a finance agreement. I don't understand what other purpose it would serve. A decent comprehensive policy with a reputable underwriter would give me the market value of the car if it was written off. Why should I be entitled to more? But that's way off topic for this thread.

[anonymous-user]

hutchst said:

TwigtheWonderkid said:

None. Gap cover can be just as useful for a cash buyer. Personally, I don't need gap cover. They tried to sell it to me but I declined. Had I bought it, it would have been mis-buying, not mis-selling.

My misunderstanding then. I thought it was cover to fund any gap between an insurance payout and the remaining amount due under a finance agreement. I don't understand what other purpose it would serve. A decent comprehensive policy with a reputable underwriter would give me the market value of the car if it was written off. Why should I be entitled to more? But that's way off topic for this thread.

Because you want enough money to buy a new replacement, not a like-for-like replacement.

[hutchst]

It wasn't new when I bought it. It was 6 months old. I'm not daft enough to write off 30% of the value by driving it out of the showroom.

I insure my cars properly. I don't bet on who will win horse races or football matches.