> I cannot purchase life insurance anywhere ... trust me I've tried. Which is funny because I thought the whole point of insurance was to equitably balance out

> I cannot purchase life insurance anywhere ... trust me I've tried. Which is funny because I thought the whole point of insurance was to equitably balance out the risk amongst a collective. It is, but if you are higher risk, adding you is inequitable to the pool of already insured lower risk people. You have to buy insurance before the need for it to be equitable to the others in the pool.