Reply #82: depends on the premium and the language of the policy. [View All]

[ChairmanAgnostic]

by your logic, the insurance industry scoundrals know that everyone is going to die at some point. Therefore, according to your logic, life insurance would drive them into bankruptcy. And we know that is not the case.

They know just what percentile of a population will die at a certain period of time, they charge enough to cover those costs, have money to pay overhead and still have money to invest and make even more money with.

They know right now just how many fetuses die prenatally. They know by region, by class, by income, by pre-existing conditions. Do you think that they would be so foolish to ignore that data for prenates, but use it for living people? Bullshit.

All they do is apply the very same logic and actuarial tables they use on us to infant morbidity and mortality data. They can even lessen the payout until 6 mos postpartum and "double" the benefit after a live birth. (What they would actually do, is cut the benefit in half until 6 mos post partum - it amounts to the same thing, but one sounds nicer).

But you ignore the longterm impact. If some neocon conservative asshole starts writing infant policies, do you see others getting on the bandwagon showing that the critter constitutes a real life, therefore abortion is murder? I worry about that very situation, and that is why this is such a bad idea.