[nopassrecover]

Sorry what’s the inheritance logic here? Are you talking about life insurance or something? Otherwise, and again presuming the cure doesn’t work which seems absent from your assessment as a possibility, how would it affect someone’s inheritance?

My general understanding is life insurance almost never actually pays out, and if it does it’s after a long fight and for less than you signed up for, and in any case should typically not be the largest portion of your inheritance.

That all aside, taking a risky but possible option that may mean survival, as a conscious and informed decision, even if aware it may void a possibility of a life insurance payout, doesn’t seem like a decision we have more right to make than the person affected by it.

[gus_massa]

One problem is people selling their home to pay for snake oil, so their children now are not only orphan but also homeless.

Imagina an evil bank clerk on the door of a cancer center that says:

fake quote> There is a new promising [unverified] treatment that can save the life of your S.O. It's very expensive so you have to take a double mortgage on your home. You are very lucky, because today we are offering it with only a 49.99% interest rate. Do you love him/her?

[nopassrecover]

Okay great point I hadn’t considered - makes the parent comment more sensible. Thanks!

[kulahan]

Term life insurance really isn't expensive, and it's meant to take care of those you leave behind in an unfortunate event. Pay off some big bills so your partner isn't grieving AND homeless. Most of the people on this site are pretty well-off, and can/should afford an expense like this.

If you've got a 95% chance of death, take the pain pills and enjoy your final days. Don't bankrupt yourself and spend more time miserable, dying anyways.

[nopassrecover]

I think this might be a US vs international thing then on the value of life insurance (typical payouts here are around $100k, 10% or more are rejected, and that policy would be around $10k a year). But nonetheless it’s the smallest/irrelevant part of my point.

The parent comment suggested taking an experimental drug would mean they couldn’t give their children inheritance, implying that the government might seize your assets or something.

I firmly disagree with the “take the death” argument made here, but I do respect the intellectual integrity of committing to your argument at least, and suspect we just hold extremely different moral perspectives.

[kulahan]

Are you sure those numbers are right? People are paying up to $90k to get $100k? Where is this land? I need to open a business here.

In the US, you pay like $350/year (assuming you’re, like, 30-ish?) for about a half million dollar policy.

By the time you’re 60, you shouldn’t need that payout anymore. You should have enough savings to cover your funeral, plus whatever retirement plan you had anyways to care for the probably-just-one dependent at that point.

I feel like you’re imagining that you take a magic drug which cures you and you go home happy. In reality, the drug will have severe side effects in every case, making your final days worse. The chances of it working are already incredibly low. It is a significantly more brutal lottery than scratch tickets could ever hope to be.

When you have almost no time left, you focus on quality. Visit people you haven’t seen enough, do things you wanted to do, say things you meant to say. Take some pain meds to get through the worst of it. Memento mori.

[dyauspitr]

Life insurance has a small 2-5% denial rate and most of those are lying big on the application. What are you talking about.