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We had a friend who worked for an insurance company, and he jokingly said his company can tell you when you’re going to die. We thought he was being funny, but he might have really meant it.
The questionnaire assumes "averages", I guess, there aren't any allowances in there for chronic conditions, that'd shorten one's life considerably. I know there couldn't be the effects of those chronic conditions are so variable depending on how successfully they are managed, as well as many other factors.
Still, I ran my sisters' information on the questionnaire just out of curiosity. The results projected she would live to age 90. The reality is, she died suddenly last week at age 73. Most likely complications of chronic lung disease ( she never smoked either) and pneumonia.
Location: Was Midvalley Oregon; Now Eastside Seattle area
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Did any one read the Cookie notice?
Does anyone need whole life insurance or annuities?
Already get enough emails from LI companies.-Mostly for "burial" whole life insurance; starting at $50k coverage . Benefits are taxfree (to beneficiary. The insured oughta get a nice meal out of the solicitation)
The actuarial tables are averages, the quiz is adjusting based on your personal health.
They're not "rough guesses", they're precise averages.
My point is that don't take into account nearly enough morbidity and mortality factors. The quiz asked about a couple common health problems and exercise habits, none of which has any bearing on other health problems that can fell someone at a younger age than expected. There is nothing in the quiz that asks anything about habits or genetics that increase cancer risk, for example.
My doctor and I do a cardiac assessment questionnaire every few years due to the fact that I've already outlived my mother and both grandmothers, all of whom died in their late 50s or age 60, which incidentally, is not young enough to indicate I have a family history of heart disease, since the cut off is 55, as the quiz notes. Still, she feels I DO have a family history with that many female members dying that young from the same problem. The assessment she uses asks MANY questions, including actual numbers of blood test results, and spits out a 10-year probability of my having a heart attack. I consider that "quiz" much more useful as it focuses on one health issue and relies on a larger, specific data set.
Automatically adding 13 years to my life expectancy because of my height and weight is ridiculous. I could be thin because I have a poor diet or an underlying health condition the quiz doesn't consider.
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. Benefits are taxfree (to beneficiary. The insured oughta get a nice meal out of the solicitation)
