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Hat Tip?

Mike-Kaye

I would love to have reasonable estimates for $500,000 1.5 year term for a 19yo lady. Also private jet from San Francisco area to Sydney, Australia.

Assuming that I can actually get an insurance estimate, am I allowed to name the agency that provided typical costs as used in my story? I assume the same answer applies for costs to charter a private jet.

Ross at Play
Updated:

@Mike-Kaye

I would love to have reasonable estimates for $500,000 1.5 year term for a 19yo lady.

Do you mean medical insurance for an 18 month stay in Australia? If so, I'd suggest the $0 option is suitable for a 19yo.

Foreign visitors to Australia are entitled to free treatment if they are admitted to a publicly-funded hospital. They would be treated by doctors chosen by the hospital if admitted.

It is possible to pay for extra health insurance coverage which allows them to choose which hospital they want and the doctors who treat them. I expect the websites for Medibank and MBF would provide details of suitable plans for that. Note that those plans would have exclusions for pre-existing conditions.

My question would be what kind of visa would this lady apply for. She would need some good reason to stay as long as 18 months. You could look up that at www.immi.gov.au. We are happy to have Americans come to our country as tourists - but we want them to go home! :-)

richardshagrin

@Ross at Play

We are happy to have Americans come to our country as tourists - but we want them to go home! :-)


As a former visitor, I was very glad to go home. But the nearly 20 hour plane ride was no fun at all.

Bondi Beach

@Mike-Kaye

I would love to have reasonable estimates for $500,000 1.5 year term for a 19yo lady. Also private jet from San Francisco area to Sydney, Australia.


Do you mean the cost to rent the services of a 19-year-old lady for 1.5 years and get health insurance for her plus private jet?

Switch Blayde

@Mike-Kaye

$500,000 1.5 year term for a 19yo lady.


Life insurance?

Ernest Bywater

@Ross at Play


My question would be what kind of visa would this lady apply for.


Most long stay visas for Australia require the person to show evidence of medical service insurance and a return ticket prior to the visa being issued. The return ticket may have an open date.

Replies:   Ross at Play
Ross at Play

@Ernest Bywater

Most long stay visas for Australia require the person to show evidence of medical service insurance

It makes sense to me that the requirements for long-term visas would be different.

I'd suggest the OP starts with looking at immi.gov.au to decide what type of visa their character would need.

Replies:   Ernest Bywater
Ernest Bywater

@Ross at Play

I'd suggest the OP starts with looking at immi.gov.au to decide what type of visa their character would need.


Back in the late 1980s I used to work at the Dept of Immigration (as it was called then) processing and approving visas for foreign students and I had to know the requirements for all of the visas available then. If someone was here on a long stay visa and they had children they also had to show evidence of them paying for the children to attend a private school. Foreigners weren't allowed free access to any government services other than life saving emergency services. Some of those rules have changed a little with the socialization of the country by the ALP since then, but most still require people who aren't citizens or Permanent Residents (approved migrants) to pay for everything they want to use.

Mike-Kaye

I should have been more specific. I was asking about LIFE insurance because if I ever get time to write Generous Offers II my MC is going to loan his ladies most of his $million from his IoT work. To be sure he gets paid back an Iron clad clam on a fraction of their multiple millions will be worthless if they die before age 21. They may stay in Australia for a few weeks or longer depending on the girlfriends of the young men in adjoining cabins.

My main question was: is it okay to acknowledge an identifiable insurance broker who provides cost information?

Bondi Beach

@Mike-Kaye

My main question was: is it okay to acknowledge an identifiable insurance broker who provides cost information?


Insurance quotes are almost always confidential and personal to the person asking. Unless you get the quote in a public setting, as in a presentation about how to buy insurance, or some other public forum, I think you'll run into trouble identifying your quoting agent.

Why is it necessary to identify the firm? Local color? How about identifying the firm as something along the lines of "Almost as large/well-known as [Here identify famous local firm"]?

Replies:   Ross at Play  Mike-Kaye
Ross at Play

@Bondi Beach

Why is it necessary to identify the firm?

I'm finding it hard to imagine what later events in a story could require the OP to establish the kinds of details in advance.

Why does it not suffice to simply have two characters discuss the need for life insurance and the coverage required, and then agree who will arrange that?

I fear the OP is planning what I'd call "Insurance Porn". :-)

Replies:   Centaur
Centaur
Updated:

@Ross at Play

"Porn insurance" "Be Insured for Hard times" or should the quote be "be insured for when it goes soft"

Mike-Kaye

@Bondi Beach

Why is it necessary to identify the firm?

It's not necessary. I was thinking it's polite to thank those who helped. Same way as thanking those who checked for my grammar and spelling errors.

I would like the numbers to be reasonable or I will simply say $500,000 18-month term for 19yo ladies is relatively inexpensive.

Currently I'm 0:2 on getting insurance and SFO to SYD private jet travel. I may simply ignore those costs and focus on the 5-mile high club and the cruise departing from Sydney.

But is it ok with SOL to thank an identifiable business for information?

Replies:   seanski1969
seanski1969
Updated:

@Mike-Kaye


SFO to SYD private jet travel


This is an SFO to SYD cost estimate

https://www.evojets.com/charter-flight-cost-calculator-quote.php?estimate_id=57398

Uther_Pendragon

@Mike-Kaye

Mike-Kaye tstamp = new Date(1532997052000);document.write(tstamp.toLocaleString());‎7‎/‎30‎/‎2018‎ ‎7‎:‎30‎:‎52‎ ‎PM2018-07-30 8:07:52pm
I should have been more specific. I was asking about LIFE insurance because if I ever get time to write Generous Offers II my MC is going to loan his ladies most of his $million from his IoT work. To be sure he gets paid back an Iron clad clam on a fraction of their multiple millions will be worthless if they die before age 21. They may stay in Australia for a few weeks or longer depending on the girlfriends of the young men in adjoining cabins.

My main question was: is it okay to acknowledge an identifiable insurance broker who provides cost information?


While real people have to go through a medical exam to get life insurance, the cost for healthy people is based on life expectancy with a mark-up. It's been longer than many readers have been alive since I worked in the field, but I'd guess that a mark-up of 30% would be reasonable for term insurance.
Go to Statistical Abstract of the United States for death rates (or survival rates) by age.
You'd want longer terms than getting the girls to 212, since they'd have to earn after that.

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