You said -- "Insurance companies expend a great deal of money and resources divining the risk tables they use to rate their customers.If you disagree with their assessments, take it up with them."
So, are you saying that they've -- in fact -- assessed the people of the State of Oregon a higher rate for their rugged environment. I didn't quite understand, from your answer, if that's what they're doing.
I hear about all sorts of people being injured and killed, on the mountains, on hiking trails, on a drive out in the woods, in a fishing boat -- in fact doing just about everything in the state, come to think about it.
Regards,
Star Traveler
I can't specifically speak for Oregon, I am speaking for life insurance in general.
When you are applying for coverage and you state that you routinely hike or fish you will not be "rated up" If however you state that you rountinely engage in sky diving or serious mountain climbing you will be. There are some comapnies that just flat won't insure you at all.
They do so because their risk tables tell them that these behaviors are more likely to cause a premature death.
If insurance providers rate up everone living in the state just because they happen to live in a "rugged environment" as compared to say someone in Iowa, you'll have to ask them.