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Which Star Wars character is the most insurable?

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With all of the excitement over the new Star Wars movie, I was recently asked to comment on the insurability of some of its characters. 

Are some of the main characters of the Star Wars Universe good prospects for life insurance?

Barring droids, which would fall under the property and casualty insurance spectrum, and other species, such as Wookies and Jawas, we examined a few of the most popular and beloved characters in the “old school” movies: Episodes IV, V and VI (or the ones with Harrison Ford, Mark Hamill and Carrie Fisher).

There are a few things that we know about the human characters in Star Wars that can help us determine their insurability.

Han Solo

  • First, we would clearly require an aviation exclusion, given his occupation as a pilot. Otherwise, given his risky flying experience, he would likely need to be declined. This would also rule him out for any accidental death benefit riders.

  • Although we have no definitive proof, it seems likely that he has speeding tickets on his record, given that he was able to complete the Kessel Run in less than 12 parsecs. Those tickets would likely knock him out of the preferred classes.

  • We are almost certain that Han has committed felonies, but it is uncertain whether he has ever been convicted of a felony, so he might get a pass on that.

  • Financial underwriting might be tricky, as I am not sure that he would have any declared, legal income, since most of his income comes from smuggling. This might limit the face amount that he would qualify for.

  • He appears to be fairly healthy (other than temporary blindness after coming out of carbonite), so medically, he might be a preferred risk.


Use the Force, Luke on Disney Video

Luke Skywalker

  • Luke would also require an aviation exclusion as a pilot, and would also be at risk for speeding tickets, given his hobby of shooting at womp rats from his vehicle.

  • He would have to answer “Yes” to the application question that addresses bone or joint disorders, including amputation. Given that the amputation of his hand was traumatic, and not due to disease, this should not be a problem. It might disqualify him from a disability rider.

  • Request for medical records would reveal recent doctor visits to replace his hand and to bring him back to life from extreme hypothermia on Hoth.

  • There might be some concern over his overall mental state, given that he is hearing voices (i.e. Obi-Wan Kenobi) that are guiding him into dangerous situations.

  • Luke’s family history is a bit tricky, as we know that his mother died at an early age (during childbirth), but the cause of death was unclear.

  • His physical condition is obviously great, given his Jedi training.


Princess Leia Organa

  • It is possible that she might be considered active duty military, since she is now a general. That might require a war exclusion rider.

  • She would have the same family history issue as Luke.

  • One can assume that her royal position offers her access to the best health care facilities.

  • There are possible signs of depression over her inability to save her home planet of Alderaan from destruction by the Death Star.

  • There might also be a need to check for signs of high blood pressure, particularly when she is in the presence of a certain scoundrel.

  • Leia appears to be in good physical shape, as clearly evidenced by her appearance in the “slave bikini” in Jabba the Hutt’s lair.


Vader Arrives on the Death Star on Disney Video

Anakin Skywalker/Darth Vader

  • There are the same aviation concerns as Han and Luke.

  • He has clearly committed multiple murders in front of a number of reliable witnesses, which would cause a problem for the felony questions.

  • He has the same issue with amputation as Luke.

  • He might also be considered active duty military, the same as Leia.

  • There are concerns over his respiratory health, given his heavy breathing. It is quite possible that he is using oxygen for life support.

  • He appears to have anger issues, including possible schizophrenia.

  • Depending on when the application was taken, he may already be dead, but can we be sure?

See also: Whole life vs. term: There’s a clear winner here


Palpatine’s Politics on Disney Video

Emperor Palpatine/Darth Sidious

  • The first concern is that he may be above our maximum issue age. At least, he looks like he is 100 years old.

  • I would be concerned about possible liver functions, given the condition of his skin and the look in his eyes. 

  • Palpatine is responsible for the murder of millions of innocent people, which seems like it should be a felony.

  • He appears to be in poor physical shape overall, despite having access to the best health care.

All of these prospective insureds would need to reveal their plans for foreign travel, including to places that would clearly be considered hazardous, such as Hoth or the Death Star.

Overall, it would appear that Princess Leia would be the best candidate for life insurance. She is physically fit, has an occupation (Princess) that is not considered hazardous, and she also has a substantial amount of legal assets to protect that would justify a large face amount.

See also:

10 things to know about whole life insurance

Who needs more life insurance, James Bond or Homer Simpson?

10 tips for new insurance agents