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.....maybe stick to bb and gear advice from now on " )....How ironic that so many people on this board constantly complain about how the general public doesn't understand bb'ing or AS, but I continue to see completely ignorant comments in this thread---comments regarding a subject of which you do not have sufficient knowledge.
First off, and I'm sure many of you know this, eating to build large amounts of muscle mass is not really "healthy". Let's take 2 guys who are both 6'0" ---same bf %, both take supplements, drink lots of water, limit sugar and processed crap---blah blah blah.....one of them weighs 250 lbs and the other weighs 180 lbs. Would do you think is "healthier" and, by the #'s, will live a longer life? Is the 250lb guy in better health than a McDonalds eating, Pepsi drinking fat ass?--yes. If you continue to push your body way past homeostasis, it will catch up with you eventually. If you were to ask Phil Hernon or DC, they would probably tell you the same thing---- stuffing yourself with 6000 calories per day is not the best thing to do to your body, but many of us love bb'ing and try to balance risk vs reward.
When Dorian lost tons of weight after his Olympia run, I kept hearing people ask if he was sick or why he got so small. Some said he just wanted to get off the AS, but I assume he was also sick of eating so much. Dorian seems like a smart guy and probably wants to live past the age of 50.
Getting back to insurance-- let me ask you guys, if you had a DUI and your car insurance provider raised your premium would you say "it's just one DUI, why should I have to pay more than the people without DUI's? waaaaaaa
No, you would probably realize you're a fucking retard for driving drunk and be happy that someone would still write you a policy. I can understand someone being upset b/c their homeowners insurance dropped them after one claim, or having to deal with the increasing cost of health insurance (much of that being related to all the illegal aliens and others mooching off the system---with average joes having to foot the bill).
Life insurance is fair b/c it's not state mandated--- so the companies can establish their own underwriting guidelines. Their underwriting is filed with the states-- build charts and everything else....and if they want to decline you it's perfectly within their right to do so. Do life insurance companies discriminate? Of course they do! They discriminate, as defined by Webster-----to make or constitute a distinction in or between; differentiate. A smoker, who is otherwise healthy, will generally pay 3-4 times more than a non-smoker--- is that "unfair"?
Actuaries get paid big money to pour over statistics; these companies want to write policies, but your rate class is determined by these statistics and the law of large #'s ..........if I hear anyone else whining about this stuff, I'm going to cut one of their fingers off with my turkey knife (not really
now I've got to eat some turkey and hope for Donald Driver to finally get me some fantasy points.......gobble gobble
How ironic that so many people on this board constantly complain about how the general public doesn't understand bb'ing or AS, but I continue to see completely ignorant comments in this thread---comments regarding a subject of which you do not have sufficient knowledge.
First off, and I'm sure many of you know this, eating to build large amounts of muscle mass is not really "healthy". Let's take 2 guys who are both 6'0" ---same bf %, both take supplements, drink lots of water, limit sugar and processed crap---blah blah blah.....one of them weighs 250 lbs and the other weighs 180 lbs. Would do you think is "healthier" and, by the #'s, will live a longer life? Is the 250lb guy in better health than a McDonalds eating, Pepsi drinking fat ass?--yes. If you continue to push your body way past homeostasis, it will catch up with you eventually. If you were to ask Phil Hernon or DC, they would probably tell you the same thing---- stuffing yourself with 6000 calories per day is not the best thing to do to your body, but many of us love bb'ing and try to balance risk vs reward.
When Dorian lost tons of weight after his Olympia run, I kept hearing people ask if he was sick or why he got so small. Some said he just wanted to get off the AS, but I assume he was also sick of eating so much. Dorian seems like a smart guy and probably wants to live past the age of 50.
Getting back to insurance-- let me ask you guys, if you had a DUI and your car insurance provider raised your premium would you say "it's just one DUI, why should I have to pay more than the people without DUI's? waaaaaaa
No, you would probably realize you're a fucking retard for driving drunk and be happy that someone would still write you a policy. I can understand someone being upset b/c their homeowners insurance dropped them after one claim, or having to deal with the increasing cost of health insurance (much of that being related to all the illegal aliens and others mooching off the system---with average joes having to foot the bill).
Life insurance is fair b/c it's not state mandated--- so the companies can establish their own underwriting guidelines. Their underwriting is filed with the states-- build charts and everything else....and if they want to decline you it's perfectly within their right to do so. Do life insurance companies discriminate? Of course they do! They discriminate, as defined by Webster-----to make or constitute a distinction in or between; differentiate. A smoker, who is otherwise healthy, will generally pay 3-4 times more than a non-smoker--- is that "unfair"?
Actuaries get paid big money to pour over statistics; these companies want to write policies, but your rate class is determined by these statistics and the law of large #'s ..........if I hear anyone else whining about this stuff, I'm going to cut one of their fingers off with my turkey knife (not really
now I've got to eat some turkey and hope for Donald Driver to finally get me some fantasy points.......gobble gobble
So, although many things you said are true, and I agree with most of it, there is nothing I said that was inaccurate. ---most term policies lapse with a couple years of the inforce date (making the newer ROP products a great money maker) Underwriting can vary widely from company to company and there are certainly areas that need to be improved--although I do believe the build charts to be generally fair.
I love a good debate...only when it's in an area of knowledge for me. I must have misunderstood where you were coming from I agree, there's no reason to complain about unfairness when it comes to a company deciding on what risks they will take on for that marginal profit. At least we all know where some of the insurance knowledge is on this board
