# Life Insurance Companies: How Do You Choose?

**URL:** <https://boards.straightdope.com/t/life-insurance-companies-how-do-you-choose/960380>\
**Category:** In My Humble Opinion\
**Created:** [March 3, 2022, 12:26am UTC](https://boards.straightdope.com/t/life-insurance-companies-how-do-you-choose/960380 "2022-03-03T00:26:49Z")\
**Posts on this page:** 5\
**Page:** 2

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**Author:** ![Mean\_Mr.Mustard](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mean_mr.mustard/32/3865_2.png) [@Mean\_Mr.Mustard](https://boards.straightdope.com/u/Mean_Mr.Mustard)\
**Post date:** [March 4, 2022, 10:30am UTC](https://boards.straightdope.com/t/life-insurance-companies-how-do-you-choose/960380/21 "2022-03-04T10:30:33Z")

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> [@kayaker](#):
>
> …Don’t tell my brother I said this, but I think it was a fantastic idea.

Sorry, but I’m gonna tell him.

mmm

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**Author:** ![Spiderman](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/spiderman/32/230_2.png) [@Spiderman](https://boards.straightdope.com/u/Spiderman)\
**Post date:** [March 5, 2022, 1:19am UTC](https://boards.straightdope.com/t/life-insurance-companies-how-do-you-choose/960380/22 "2022-03-05T01:19:21Z")

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That mean, Mr. Mustard!

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**Author:** ![kayaker](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/kayaker/32/441_2.png) [@kayaker](https://boards.straightdope.com/u/kayaker)\
**Post date:** [March 5, 2022, 1:19am UTC](https://boards.straightdope.com/t/life-insurance-companies-how-do-you-choose/960380/23 "2022-03-05T01:19:51Z")

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Ehh, I’m sure he knows.

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**Author:** ![Jackmannii](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/jackmannii/32/311_2.png) [@Jackmannii](https://boards.straightdope.com/u/Jackmannii)\
**Post date:** [March 6, 2022, 6:27pm UTC](https://boards.straightdope.com/t/life-insurance-companies-how-do-you-choose/960380/24 "2022-03-06T18:27:14Z")

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If one’s children are obese and on medication, it might be worth checking out [Big Lou Insurance](https://www.bigloulife.com/getquotegoogle?gclid=CjwKCAiA1JGRBhBSEiwAxXblwTVIN0Var6NCFPq4Q-lCdo-XwvZBqO-UXvp4sj8d5IZ8zASGojlzDRoCBC4QAvD_BwE).

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**Author:** ![Riemann](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/riemann/32/3133_2.png) [@Riemann](https://boards.straightdope.com/u/Riemann)\
**Post date:** [March 6, 2022, 7:01pm UTC](https://boards.straightdope.com/t/life-insurance-companies-how-do-you-choose/960380/25 "2022-03-06T19:01:37Z")

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Does anyone have any actual data on the viability of the industry if we get a pandemic with much higher mortality? I’m really not sure how exposed they are to complete failure of actuarial models. I don’t know to what extent an increase in death-related payouts would be offset by a reduction in payouts for lifetime annuities.

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