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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Do life insurance policies ask about guns?  [/quote]

They ask about mental health....[/quote]

Or should I say, they look up your mental health records. [/quote]

Just wondering because studies I have seen show a 5-7 times higher risk of suicide if a gun is in the house and a 3-5 times higher risk of homicide if a gun is in the house.  And if this is true, it seems life insurance would weed them out or charge higher premiums due to risk.  [/quote]

That is exactly the point. The insurance companies would have access to information and use it in a much more constructive way that any state firearms regulatory group. [/quote]

Is someone stopping them from doing so now?   I mean, it seems to me the insurance companies would be asking.  Anything to save them some cash.   Unless there are laws specifically preventing this question....[/quote]

For life insurance you have to sign something allowing them to look. This way, the gun owner would have to agree to his records (and those the other people who would have access like kids and spouses) reviewed.  I suspect that all they would want to see is your financial state and your mental health records. [/quote]

But what records are there of someone having a gun? Do you think an insurance company wants to look at everything you have purchased for the past 20 years to see if you ever bought a gun? What if the gun was given to you? There would be no record.
[/quote]

They just have to ask you, and if you lie and something happens, it shouldn't be covered. But since there are s many guns in the US, 88 for every 100 people, I assume it's built in to all our rates anyway. [/quote]

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