DO SUPERHEROES NEED LIFE INSURANCE?

Within recent years more and more superheroes have been popping up all over the place! So much so, in fact, that you have to wonder, do any of them ever buy life insurance? After all, even if they have the luxury of possessing god-like abilities, that still doesn't mean that it's very safe for them to battle against an army of super-villains, mad scientists, and world-conquering tyrants. Furthermore, the actual act of possessing a superpower could also hinder a hero obtaining the correct policy. Want to know more? Then please check out the following list and infographic send to us by the insurance brokers, LV, otherwise known as Liverpool Victoria.





1) Super Strength

On the surface having super strength may seem like a positive ability to yield. But please, don't kid yourself, my friend, because this doesn't make you invulnerable or prone to physical damage. Plus, before you can find out how strong you really are, you need to know and test your own limitations, without forgetting to disclose any medical conditions you might have, especially if you gained your super strength by being hit with a heavy dose of radiation or was infected by an alien parasite.

2) Healing Factor

While I'm on this subject, most insurance companies will ask their potential customers a series of questions about past and present medical conditions, doing so in order for them to assess the terms they can finally offer. So by possessing something like a healing factor, for instance, which could theoretically stop symptoms or conditions from re-occurring, this means that no medical history can immediately affect your policy!

3) Future Sight

The ability to look into the future is a definite advantage when it comes down to staying safe. After all, if you're lucky enough to be able to see what dangers are heading in your proverbial direction, you'd be a blinking idiot not to get out of its way. Which, in practical terms, means there's a lower sense of risk and a lower cost for the estimated insurance premium.

4) Invisibility

On the whole being invisible seems more like a big risk than a positive benefit. Well, let's face it; if something serious does happen to someone with this particular power, how will anybody know if they can't be seen? In turn, this can lead to false claims and a possible fraud investigation on behalf of the insurance company.

5) Flying

Premiums are generally high for people who can fly because the act in itself is normally seen as an insurance risk. On an annual basis, an insurance company would ask their customers to disclose if they engage in any hazardous activity, and in their eyes, being able to propel yourself through the air, unaided, or accompanied by a protective suit, is definitely a hazardous activity.

6) Teleportation / Force Fields / X-Ray Vision

Just like the ability to look into the future, teleportation, force fields, and x-ray vision can help insurance claimants a great deal when deciding on a policy. By themselves, each ability is very useful as the occupant can dodge and shield themselves from any immediate danger. But before they do that, they have to see the danger first. 

Also, where teleportation is concerned,  they have to keep in mind where they are physically teleporting to, as insurers will always ask about overseas travel. So, for example, if they are planning to travel to a remote location, such as space, another planet, or a different dimension, it would need to be disclosed beforehand or else it could affect the terms of their policy.

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