*Trigger warning* As grim as this sounds.....

[sonopoly]

I think you are trying to be noble, but ignorant.  Forget about life insurance. You can't afford enough to be remotely worth giving up the monthly costs that you can give your family now.  Life insurance doesn't pay for suicide.

[sonopoly]

I may be being incredibly wrong.  Okay, so how much can you afford to put aside for insurance premiums a month?  Like I said, life insurance is for people make or have a lot of money,otherwise you're better off using the premium money for daily expenses.  If you don't die that money is gone, like throwing it into the fireplace.

It sounds like you can only afford to keep your family afloat for a few months.  Life insurance is not like lifetime movies depict with million dollar life insurance policies.  You wouldn't even qualify for one as they with your salary you might get 20k and after paying premiums it would be far lees.  Drop this idea now.

[Kyle_S]

It doesn't have to be expensive. I could pay as low as $23/month for $25 000 of coverage. Wow. You're sounding very irate with the idea of having something there for family in the event of death. I will drop replying on this thread, but I will not drop the idea of helping my mother. Thanks for replying, everyone. Any moderator that stumbles across here and would like to close this thread, have at it and save me the headache of any further condescending remarks insinuating that I want life insurance because I intend to commit suicide or something -_-

[Stephe]

OK you started this thread with the assumption that we are taking on a VERY high risk of being murdered for being trans..  Many people pointed out that is being paranoid.

IMHO you are much more likely to die in a car wreck than anything related to being trans. Now if you feel you need to protect your family in case of your death from normal reasons, that is one thing. If you feel that trans people are at a super high risk of being killed so we all should get insurance, that is being paranoid. And being paranoid of this isn't healthy.

[Devlyn]

My friend died with no insurance, the pizza places and convenient stores had collection jars so there could be a wake. It was sad. My whole life costs $9.85 a month, $118.20 a year. In January I get a $60 dividend check, so the actual cost is $58.20 a year. Hugs, Devlyn

[Sooner-Or-Later]

Its sure not a concern for me. When I look at the % of trans people who get killed while NOT involved in dangerous activities (like playing the -picking up straight guys at the clubs without them knowing- game or being a sex worker etc) it seems no worse than for most people, at least where I live. I feel I am much more likely to die in a car wreck than anything related to being trans.

Stephe is onto something there.  What we have to show in general is that one can be trans and still be virtuous in the philosophic sense.  Being virtuous keeps one away from harm more often than not.  Being careful in relation to drugs, money, or sex takes one a long way.  It is not my contention that those who have been killed often deserve to be killed.  It is my contention that putting one's self in a dangerous environment somehow leads to dangerous situations.  That is why I won't ever sleep with someone unless I really know that person, know that the person is mentally stable, and know that the person won't have some God guilt-trip over the matter and therefore take their anger out on me. 

In simpler terms, just be careful with who you deal with.  I don't have an insurance policy just because of benefit and cost.

[sonopoly]

I'm sorry, Kyle.  I guess I found it disturbing that you feel so at risk of getting killed for being trans.  I think you are great for thinking of your family.  I wish you could have more positive thoughts.  You're young - you should be enjoying your youth and planning for a happy future.  It sounds as if you do have more on your shoulders than most your age though. Is this a permanent or long term situation?  Take care and I wish you the best.

[Felix]

IMHO you are much more likely to die in a car wreck than anything related to being trans. Now if you feel you need to protect your family in case of your death from normal reasons, that is one thing. If you feel that trans people are at a super high risk of being killed so we all should get insurance, that is being paranoid. And being paranoid of this isn't healthy.

I don't want to add to the idea that being trans is super dangerous (which is not the idea I got from the OP's post anyhow, btw) but I've been in an awful car wreck and I saw my half brother broken to bits in a different one, and I'm still more wary of transphobic violence. I know how to avoid car accidents, for the most part. Trans/homo phobic people always catch me by surprise. Their logic isn't visible. Car logic is totally visible.