The Water Cooler, Scuttlebutt, Chit Chat Thread
#3601
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Has anyone used Health IQ for life insurance? I'm out of shape right now (6 feet, 210lbs, haven't ridden in a while) but looking at life insurance quotes and stuff might be what I need to get back in shape and start riding again. I need a good bit of insurance since my wife stays at home and I make a good bit, and the quotes are expensive (probably over $1000 a year). Health IQ looks like they take into account your exercise and stuff, the fitness test is just to ride 50 miles, which even out of shape I could probably manage right now if I found a flat route (other than a sore ass tomorrow).
#3602
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Has anyone used Health IQ for life insurance? I'm out of shape right now (6 feet, 210lbs, haven't ridden in a while) but looking at life insurance quotes and stuff might be what I need to get back in shape and start riding again. I need a good bit of insurance since my wife stays at home and I make a good bit, and the quotes are expensive (probably over $1000 a year). Health IQ looks like they take into account your exercise and stuff, the fitness test is just to ride 50 miles, which even out of shape I could probably manage right now if I found a flat route (other than a sore ass tomorrow).
A few years ago, when my wife's job changed, we got her better and cheaper coverage through the ACA than adding her to my insurance.
#3603
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Life insurance, not health insurance. Health insurance through my new company is good. Life insurance is a joke ($100k isn't gonna do much of anything).
#3604
Rubber side down
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Has anyone used Health IQ for life insurance? I'm out of shape right now (6 feet, 210lbs, haven't ridden in a while) but looking at life insurance quotes and stuff might be what I need to get back in shape and start riding again. I need a good bit of insurance since my wife stays at home and I make a good bit, and the quotes are expensive (probably over $1000 a year). Health IQ looks like they take into account your exercise and stuff, the fitness test is just to ride 50 miles, which even out of shape I could probably manage right now if I found a flat route (other than a sore ass tomorrow).
For me, there was no fitness test. They simply asked if they could look at my Strave history and that was it--other than the in-home health exam. I'd say go ahead and talk to them and see what they can do, and then comparison shop. I can't quantify exactly how much they saved me, but I'm confident that they saved me some.
#3605
Killing Rabbits
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You can't complain after you're dead.
#3606
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I would be leery of a insurance company offering discounts based on behavior; it's too easy for them to decline payout based on "fraudulent information" like if you say you ride a lot but then right after you die they claim you stopped riding years ago.
You can't complain after you're dead.
You can't complain after you're dead.
My wife pointed out cyclists are actually relatively likely to die by getting hit by a car and asked if they take that into account, and I told her it appears they do not but that's a great point. I guess the odds are still lower than being fat and getting a heart attack.
#3607
out walking the earth
"There's no way a corporation would do something illegal that would tank the economy."
""There's no way a corporation and government would do something illegal that would create the greatest health crisis ever."
rinse & repeat
""There's no way a corporation and government would do something illegal that would create the greatest health crisis ever."
rinse & repeat
#3608
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Fair, but I think my other option besides trusting insurance companies is just not getting life insurance. Which I guess is an option, I'm just not sure it's the smart one for me.
#3609
Cat 2
Slid my car into a fence at work today. Very slick roads and I was the second person through the snow coming down the hill into our parking lot. Everyone finds out and now I have to do government paperwork. Plus my car is ****ed (still drives, just not well), insurance is closed on MLK day so I have to wait until tomorrow to figure out a path forward. Looks awful for a <10 mph hit
#3610
Not actually Tmonk
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bummer
__________________
"Your beauty is an aeroplane;
so high, my heart cannot bear the strain." -A.C. Jobim, Triste
"Your beauty is an aeroplane;
so high, my heart cannot bear the strain." -A.C. Jobim, Triste
#3611
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Slid my car into a fence at work today. Very slick roads and I was the second person through the snow coming down the hill into our parking lot. Everyone finds out and now I have to do government paperwork. Plus my car is ****ed (still drives, just not well), insurance is closed on MLK day so I have to wait until tomorrow to figure out a path forward. Looks awful for a <10 mph hit
My last job I almost cost us a contract doing 28 in a 25 on a corporate headquarters campus and got pulled over by security. That wouldn't have been fun to explain and write up. They gave me a warning.
#3613
Cat 2
#3614
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Today I went mountain biking with the two women I usually ride with off-road. We got mixed in with a large group of middle and high school racers, their coaches, some parents, and some guy on an e-bike. There was a grueling 3 mile climb where some of them passed us and then a steep, twisty descent full of holes, loose rocks and 180 degree turns. My friend has mad skillz and she has raced on and off road so she went ahead and dropped everyone on the descent. Like vanished out of sight dropped. It was the highlight of the ride for me. She said she was waiting at the bottom for a while before anyone showed up and when they did, they asked her how she got there ahead of them, as if she knew a shortcut. I like to see guys freaked out like that.
#3615
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My first race of the year is cancelled because of rain in the forecast =\
Probably for the best, its a 3 mile circuit with a descent on the backside. People usually hit 40+ going down it and in in the rain I'm not sure how safe that is, plus its a flood basin so there's that. 'Rain' doesn't seem like a big deal to some, but in that area water is being dumped from a mountain range, and people die from flash floods every few years or so.
I'm too fat to race now anyway (15% bf = cyclist morbid obesity)
Probably for the best, its a 3 mile circuit with a descent on the backside. People usually hit 40+ going down it and in in the rain I'm not sure how safe that is, plus its a flood basin so there's that. 'Rain' doesn't seem like a big deal to some, but in that area water is being dumped from a mountain range, and people die from flash floods every few years or so.
I'm too fat to race now anyway (15% bf = cyclist morbid obesity)
#3616
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I can't believe how long the season is out there. The low tonight here is 3, with a windchill of -25 or something.
#3617
out walking the earth
In fairness it is still January. Not sure what you'd expect. We also get like 2 feet less snow a year than I was a kid.
That senator *****ing about people growing soft sounds about spot-on.
#3618
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I mean, this is literally a record cold throughout the midwest, and very abnormally cold in the NE. Wind chills that will cause frostbite in minutes aren't really a factor of people getting soft. Your skin will still freeze, just like it would've in the 70s or whenever you're pining for, it's just physics.
#3619
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How an Olympic Hopeful Robbed 26 Banks on His Bike
Careful racing track folks. You never know where it is going to lead.
Careful racing track folks. You never know where it is going to lead.
#3621
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I'm still working my way through it (have to stop sometimes to pretend to work, obviously) and it's definitely a good read. Sad.
#3622
out walking the earth
I mean, this is literally a record cold throughout the midwest, and very abnormally cold in the NE. Wind chills that will cause frostbite in minutes aren't really a factor of people getting soft. Your skin will still freeze, just like it would've in the 70s or whenever you're pining for, it's just physics.
#3624
Cat 2
It's ski season, break out the sticks, forget about riding competitively!
#3625
out walking the earth