4 ms·

There's no way your probability is close to 0.1%. Exhibit A: http://www.cdc.gov/injury/wisqars/pdf/Death_by_Age_2007-a.pdf http://www.cdc.gov/injury/wisqars/pd

by mmaro 15y ago

There's no way your probability is close to 0.1%. Exhibit A: http://www.cdc.gov/injury/wisqars/pdf/Death_by_Age_2007-a.pdf http://www.cdc.gov/injury/wisqars/pdf/Death_by_Age_2007-a.pd... Exhibit B: life insurance companies collect a lot of data from you, and no company will price a 21 year old anywhere near 0.1%.

Locke1689 15y ago
The CDC data just shows causes of death. The first most common is "Unintentional injury," which I assume covers things like car accidents and risky sports. Neither affect me because I don't drive (take the bus) and don't participate in dangerous sports. I shouldn't have to address homicide. I'm from the Baltimore area -- I know exactly who that age group is weighted by and I'm not concerned about dying by homicide. I'm not going to commit suicide. Malignant neoplasm (cancer) is unlikely. I'm low on risk factors and don't have a high genetic propensity. I'm also in the fortunate position of having a better knowledge of my medical risk factors than most people because I'm from a family of doctors. Your second example isn't even a real example. You have no data, you're just making a claim. As far as life insurance goes, I doubt they collect extremely accurate statistical data. It's not in their best interests to lower their premiums so I would expect any life insurance policy to be heavily weighted in their favor.