View Full Version : The fate of the current insurance cut.


zenpharaohs
June 5th, 2007, 12:41 AM
So I've been "cutting" by ramping up the cardio this past month or so. And it's working, about right. It was so I might refinance some life insurance. (Or might not, but to have the opportunity I would have to make weight.)

So after a few weeks of this, my trainer Kenny asks me today "any word from the insurance guys?" and I say "no, maybe it's too tough to work the numbers out or something."

After today's second workout, I felt great, and checked my email. Well what have we here - the insurance guys have got back to me; and the punch line is I have to be under a weight which I am already 5 pounds under.

Oh well, I think I'll stay on the cut for a while. I like the feeling of control.

Hoss
June 5th, 2007, 03:26 AM
Your 5lbs under the weight they want you at? :confused:

Big_D
June 5th, 2007, 03:55 AM
Still losing weight never hurts, makes all that cardio and lifting a helluva lot easier, and increases your coefficients.:tucool:

(305 @ 240? how about 315 @ 176)

specialk
June 5th, 2007, 08:07 AM
I have a similar goal where I want to be healthy before I increase my life insurance with a new policy. The last time I applied for life insurance I was training for a marathon.

Zilla
June 5th, 2007, 08:43 AM
Sorry Zen.

What a bunch of turds... :spank:

zenpharaohs
June 5th, 2007, 12:13 PM
Your 5lbs under the weight they want you at? :confused:

Yeah. I thought they were going to want 185# or so, like the last couple of insurance companies. But these guys are OK with 210# for their best health-based rate.

Which means a couple of things. I'm older now than the last time I was underwritten, so the "cohort" I am in might be heavier. Also, this insurance company uses different bonds to back the insurance as opposed to a stock portfolio, so the advantage of their policy could be largely financial and not much to do with health.

zenpharaohs
June 5th, 2007, 12:16 PM
Still losing weight never hurts, makes all that cardio and lifting a helluva lot easier, and increases your coefficients.:tucool:

Weighing more actually makes lifting easier in a lot of ways. It is sort of break even on the cardio.

But I think I will keep cutting. The lower I go, the more insurance companies I can get good quotes from.