The Incredible Hulk Is a Better Life Risk Than Iron Man: TermLife2Go

Analysts have told Variety that “Avengers: Endgame,” the big new Marvel movie, could make more than $200 million on the weekend when it reaches U.S. theaters, starting April 26.

That’s raising an important question in the minds of life insurance and annuity marketers: Why can’t they attract a little of the attention flowing toward the Marvel super heroes, in ways other than having bad guys from another planet (or dimension) knock down the MetLife Building?

Marketers for Clear Link Insurance Agency’s TermLife2Go.com website came up with this answer: Have Chris Abrams, the founder of MJ Life Insurance, analyze each Avenger’s life insurance needs, and what the cost of those insurance needs might be.

Abrams specializes in serving high-risk clients. The mission of his agency is to “help marijuana users get approved for life insurance at the lowest rates.”

Abrams told TermLife2Go that he thinks Bruce Banner, a scientist who moonlights as the Incredible Hulk, might need about 30 years of term life insurance and could probably get it at an affordable rate.

Abrams predicted that Tony Stark, the billionaire who operates as the Iron Man, would not want conventional life insurance and would not qualify to buy it.

Bruce Banner has no known dependents, but, given that he has seven PhDs, he probably has a large amount of student loan debt to pay off, Abrams said.

Abrams estimated that Banner might be able to get $500,000 in term life insurance, with a 30-year level term, for $226.57 per month.

Tony Stark and his former assistant, Pepper Potts, were engaged to be married at the end of “Spiderman Homecoming,” but they are not yet known to be wed.

Stark now has no known dependents, and he is probably too wealthy to need life insurance for ordinary personal protection purposes, Abrams said.

Analysis Limitations

Abrams did not consider the possibility that Stark might want life insurance for asset protection or estate planning purposes.

He also did not consider the possibility that Stark might have relationships with domestic or offshore captive life insurers either through his company, Stark Enterprises, or through a family office.

Earlier Analyses

The Abrams’ analysis of the Hulk’s insurability conflicts with an analysis cited by a Thrillist reporter in 2015. The Thrillist reporter said an anonymous East Coast actuary did give Stark a risk rating of 30 on a 30-point scale, but that the anonymous actuary also gave Banner a very high risk rating: 26 on the 30-point scale.

The anonymous East Coast actuary noted that Banner has been exposed to insanely high levels of radiation, appears to be addicted to radiation, gets into many dangerous situations, and could be difficult to deal with in a rational, peaceful fashion if he were involved in a claim dispute.

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