Susan's Place Transgender Resources

How many of you have taken out a life insurance policy on yourself out of the fear of being killed for being under the trans umbrella?

Sadly, we still get murdered for it. Its a big concern of mine, and I want to make sure if it does happen, that my family won't be stuck with the financial cost of my death. Apparently, buying the accidental death option may cover homicide. Its something I'm going to call CPP about, for sure.

I have life insurance, but it isn't because of anything specific. I have minimal burial expenses as I will be cremated and placed in a National Cemetery alongside my father. Hugs, Devlyn

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.

My family isn't going to be on the hook for any expenses related to my death. You can't get blood from a stone. :)

I have insurance and a paid funeral plan. That way no one can say or do anything about my wishes. Basically I will be giving the bird from my coffin. Fully made up in my favourite dress on open display.  :laugh: :laugh: :laugh: :laugh: :laugh:

Quote from: Cindy James on March 12, 2012, 02:45:02 AM
Basically I will be giving the bird from my coffin. Fully made up in my favourite dress on open display.  :laugh: :laugh: :laugh: :laugh: :laugh:

This is def. how I want to go when I do  :)

And High Fiving with my Sis

I do not get too concerned about transphobic people. Prevention may be the key to personal safety. Avoid people and situations that may put you in danger. There is safety in numbers. Try to be with friends when out. I am in more danger merely crossing the street. It seems as though there is always some idiot driver with a cellphone in one hand and picking thier nose with the other while flying through the crosswalk.

What is CPP?

Also, isn't cremation pretty cheap? I'm pretty sure my death will leave my daughter with fewer bills than will whatever kills me.

I don't have life insurance because when I die I want it to be a real tragedy, not someone jumping up in the air while clicking their heels and yelling: 'Let's party, the check cleared.'


/Neptune society burial plan paid in full, cremate, scatter ashes at sea.  Not that I'll really be caring all that much about how I'm buried once the need arises.

Quote from: Felix on March 12, 2012, 05:25:25 AM
What is CPP?

The Canada Pension Plan (CPP) ? ? ? lol If it's anything like US Social Security I can assure you IT WON'T BE THERE by the time you guys need it ! Cremation cheap?  Ya want the Deluxe FULL BURN, any dust back ? There's a fuel surcharge, urn fee, sanitary scoop fee and cardboard box (fee) is optional . . .

as in life, either way yer toast!

Canada Protection Plan. Life and health insurance policy company. lol

Quote from: Kiera on March 12, 2012, 10:50:34 AM
The Canada Pension Plan (CPP) ? ? ? lol If it's anything like US Social Security I can assure you IT WON'T BE THERE by the time you guys need it ! Cremation cheap?  Ya want the Deluxe FULL BURN, any dust back ? There's a fuel surcharge, urn fee, sanitary scoop fee and cardboard box (fee) is optional . . .

as in life, either way yer toast!

I do kind of wonder about the nonhuman parts. The screws and clips and fillings. I bet that would be a fun googlehole to fall into.

That sounds paranoid to me.

Tip: just because something can happen and has happened, doesn't mean it's likely to happen. There have been a small few cases that got a lot of press but it is not common at all.

You'd be better off working on your defensive driving or something.

Tip: just because something can happen and has happened, doesn't mean it's likely to happen.

Well, sooner or later, you will die.  It is prudent to plan on it.  It's morbid to obsess on it however.

Quote from: Cindy James on March 12, 2012, 02:45:02 AM
I have insurance and a paid funeral plan. That way no one can say or do anything about my wishes. Basically I will be giving the bird from my coffin. Fully made up in my favourite dress on open display.  :laugh: :laugh: :laugh: :laugh: :laugh:

I plan to be bronzed, set on a pedestal, and hooked up to a water fountain system, forever tinkling.

Posed not unlike my avatar, but instead of playing with my hair, I would use a firm hand at the aim.

This is a very odd question unless you have a lot of money or make a lot of money.  Do you?

I should have added "and you are the sole or primary breadwinner for your loved ones".  Otherwise, it sounds as if you're gambling on your chances of survival and see a win situation for your loved one's because your chance of survival is deceptively low, assuming you are young and healthy.  At any rate, this is not a good way of thinking.  If you are thinking this way, you should have different questions.

I don't plan on taking out an insurance policy in case I am killed for being trans.  By the time I transition I will be dependant on no one and no one will be dependant on me.  I have a higher chance of dying in a car wreck or tripping and breaking my neck.  I prefer not to be cremated but in reality I don't care what happens to my body afterwards.

Quote from: sonopoly on March 16, 2012, 08:25:29 PM
I should have added "and you are the sole or primary breadwinner for your loved ones".  Otherwise, it sounds as if you're gambling on your chances of survival and see a win situation for your loved one's because your chance of survival is deceptively low, assuming you are young and healthy.  At any rate, this is not a good way of thinking.  If you are thinking this way, you should have different questions.

To reference your other post, no I do not have a lot of money. I work part-time in a grocery store.
To this one, yes I am the primary breadwinner of my household. There is no way they could afford it if something, ANYTHING happened to me, trans related or not. I realize that I may sound neurotic, but I feel that this path is something to be prepared for entirely. I'm not going to try to fool myself into believing that there is NO risk at all.

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.

---

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.

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 -_-

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.

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

Quote from: Stephe on March 07, 2012, 09:07:42 PM
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.

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.

Quote from: Stephe on March 24, 2012, 09:01:04 AM
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.