Five Bucks a Month
So my State Farm agent sends me an email saying that because of “substance” use, I don’t qualify for the “super preferred” rate, only the standard non-tobacco user price for my life insurance policy.
No real surprise there; when I peed in a cup for the nurse last week, it was only two days after 4/20; what was to be expected? (I thought about having Mimi leave me a sample in a jar to use, but then worried that my urine would show, who knows what? An excess of Cocoa Crispie molecules or something.)
It rankles me that I’m being charged five bucks a month for the “privilege” of being an occasional pot smoker, even though that seems a fairly small amount to spend. I certainly get as much pleasure out of the deal as a couple lattes a month. But still…
I think the actuarial tables are wrong; I’m pretty sure that my several times a month “use” of cannabis doesn’t make me more likely to die. In fact, the riskiest behavior I engage in—bike riding at night when I’m too drunk—really only happens on those occasions I run out of joints before the evening is out and have to turn to less refined forms of intoxication.
Frankly, I still think I’m getting lousy odds at either rate. At 62 bucks a month, it comes out at just over a 33 to 1 payoff at the end of 10 years; I could get bigger payday picking a longshot at the track.
Even if we figure the any given day payoff of about 100,000 to 1, that’s still pretty cheap; I’d have to say it’s more like a million to 1 shot that I’ll die on some random day between now and 2017.
My inclination is to lower my coverage rather than spend the extra fin; that’s a saving of 700 bucks over the next ten years, probably just about what I’ll spend on pot.
No real surprise there; when I peed in a cup for the nurse last week, it was only two days after 4/20; what was to be expected? (I thought about having Mimi leave me a sample in a jar to use, but then worried that my urine would show, who knows what? An excess of Cocoa Crispie molecules or something.)
It rankles me that I’m being charged five bucks a month for the “privilege” of being an occasional pot smoker, even though that seems a fairly small amount to spend. I certainly get as much pleasure out of the deal as a couple lattes a month. But still…
I think the actuarial tables are wrong; I’m pretty sure that my several times a month “use” of cannabis doesn’t make me more likely to die. In fact, the riskiest behavior I engage in—bike riding at night when I’m too drunk—really only happens on those occasions I run out of joints before the evening is out and have to turn to less refined forms of intoxication.
Frankly, I still think I’m getting lousy odds at either rate. At 62 bucks a month, it comes out at just over a 33 to 1 payoff at the end of 10 years; I could get bigger payday picking a longshot at the track.
Even if we figure the any given day payoff of about 100,000 to 1, that’s still pretty cheap; I’d have to say it’s more like a million to 1 shot that I’ll die on some random day between now and 2017.
My inclination is to lower my coverage rather than spend the extra fin; that’s a saving of 700 bucks over the next ten years, probably just about what I’ll spend on pot.
posted by Professor Dave at 3:49 PM
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