No One Dies Because Of Lack Of Insurance

October 14, 2012 § 1 Comment

“We don’t have people that become ill, who die in their apartment because they don’t have insurance.”

  • Mitt Romney, October 11, 2012
  • Source: Columbus Dispatch
  • Context: Discussing healthcare reform and repealing the Affordable Care Act (also known as Obamacare or Romneycare), Mitt Romney claimed that people do not die because of a lack of health insurance. However, in September of 2011, ABC published a story on a 24 year old man who died because of a tooth infection which he could not get treated due to lack of insurance (also see the case of Andrew Urban) . A Harvard study has also linked a lack of insurance in the United State to 45,000 deaths a year.
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§ One Response to No One Dies Because Of Lack Of Insurance

  • tatasky200 says:

    What is Life Insurance?

    Life insurance is a contract between the insured (person taking the cover) and the insurer (the insurance company issuing the policy) stipulating the insured will pay an agreed amount of premium, and the insurer will pay an agreed amount of money free of income tax to the beneficiaries of the insured upon his or her death if the insurance policy was still in force. Life insurance is assurance for the insured that his beneficiaries will be catered for financially hence giving them a peace of mind. They will be protected and financially stable enabling them to maintain a certain lifestyle or at least be able to settle funeral fees, hospital bills, educate the children, etc. The life insurance. Therefore, in a way replaces the loss of income suffered by the beneficiaries when the provider or one who brings home the majority of income passes on.
    
    A good life insurance policy goes beyond replacing the loss of income. It covers the insured’s funeral expenses, taxes, probate costs, need for helpers, child care, etc. The cash benefit can also provide college education for the children and part if not all the surviving spouse retirement needs. How the beneficiaries use the cash benefits is not usually restricted, and so in most cases, they use it as they deem fit.

    It can also be another way of contributing towards a saving plan. It provides the option of the contributor making regular payments to the insurance company. If person wishes, the life insurance can form part of their pension plan. This kind of pension is considered private pension arrangements.

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