Application For Life Insurance * United American Insurance Company: Fill & Download for Free

In the United States, there are some group plans - especially life insurance plans - where, when you buy the life insurance, you are actually joining a group, and the group is buying the coverage. The group then pays for the coverage, and each member gets his or her proportionate share of any benefits should there be a claim. The term of art for what you get when you buy into such coverage is “a certificate.” The group itself often gets something called the “master policy.”There are advantages to buying such a life insurance product. Since the insurance company can do rather limited underwriting on each individual - especially if the group is big enough - it might not have to pull the medical history, financial data, and so on on each person. It may pull some data, but it can often be more limited. Instead, the insurance company can look more carefully at just the group, and make its major decisions about the group as a whole.That said, I know for sure that until recently - and I don’t think this has changed - that some such life insurance plans have provisions to the effect that, if the mortality of the group changes dramatically, the insurance company CAN make changes to each group member’s premiums, as long as it does so for each similarly situated member of the group. For example if mortality gets a lot worse for all those group members 50 to 59 years old, their premiums could go up - or down if the mortality gets better. I BELIEVE that companies can look at subsets of the group on a reasonable basis, but some US states might require a wholesale retailoring of the whole group’s premiums in such a case.This is how such products work in the American life insurance markets. I’m not sure whether there are similar products in other countries, though it wouldn’t surprise me if there were.

Mike the Durable- the Rasputin of the BronxMichael Malloy age 30 (Rasputin of the Bronx – The Irishman they couldn’t kill)Michael Malloy was a homeless Irish man who lived in New York in the 1920s and 1930s. A former firefighter, he is famously remembered in history as “Mike the Durable” and “Iron Mike”[1], who survived numerous murder attempts by five of his acquaintances who would have gained $3,500 through an insurance fraud if the ploy had succeeded.New York City, like the rest of the country, was devastated and demoralized by the Great Depression in the early 1930s. The carefree America of the Jazz Age had vanished like smoke. In its place, a somber populace waited in blocks-long breadlines for food. Unemployment was skyrocketing to near 30%.[2] Banks were closing at a rapid rate. Once wealthy Wall Street bankers now sat in gutters begging for change. Prohibition was still the law of the land, though it had no real teeth. The increasingly large block of poor and homeless transients that roamed the city often scrounged whatever free food and drink they could at their neighborhood speakeasy.Anthony Marino managed to weather hard times by the skin of his teeth. A grungy man who suffered from perpetual financial troubles and an advancing case of syphilis, Marino ran a small, bare-bones speakeasy in back of an abandoned storefront at 3775 Third Avenue in the Bronx.[3] It wasn’t much; a sofa, four tables, a twelve-foot long plywood bar along the back wall, and a modest supply of bootleg liquor (the saloon was so bland and nondescript that it didn’t even have a name.)[4]It was a miserable way to make a living. Sometimes Marino’s customers paid him, sometimes they didn’t. Sometimes they’d empty out whatever coins they had in their pockets and put the rest of their bill on a tab.[5] Sometimes they paid the tab, sometimes they didn’t. Some nights it seemed to Tony Marino as if he was pouring his meager profits down the collective gullet of his lowly clientele.Marino’s bartender was twenty-eight year old Joseph “Red” Murphy, an alcoholic simpleton and one-time chemist who had been a vagrant for most of his life. While Tony sporadically paid Red a dollar-a-day wage, it was unspoken yet understood that Murphy’s real payment was free run of his boss’s stock of booze behind the bar. The homeless Murphy usually crashed on the bar’s couch after he closed, curling up under a single blanket to stay warm. By his own later admission, he "had nowhere else to go."[6]The plot was conceived over a round of drinks. One afternoon in July 1932, Francis Pasqua, Hershey Green, Daniel Kriesberg, Joseph “Red” Murphy, and Tony Marino sat in Marino’s eponymous speakeasy on 3804 Third Avenue[7] and raised their glasses, sealing their complicity, figuring the job was already half-finished. They even had included a corrupt insurance agent in the plan.The “Murder Trust,” as the press would call them, now included a few of Marino’s regulars, including petty criminals John McNally and Edward “Tin Ear” Smith (so-called even though his artificial ear was made of wax), “Tough Tony” Bastone and his slavish sidekick, Joseph Maglione.[8]How difficult could it be to push Michael Malloy to drink himself to death?The Murder Trust (clockwise from top left): Daniel Kreisberg, Joseph Murphy, Frank Pasqua, and Tony Marino (The Man Who Wouldn’t Die)Every morning the old man showed up at Marino’s place in the Bronx and requested “Another mornin’s morning, if ya don’t mind” in his muddled brogue[9]; hours later he would pass out on the floor. For a while, Marino had let Malloy drink on credit, but he no longer paid his tabs. “Business,” the saloonkeeper confided to Pasqua and Kriesberg, “is bad.”[10]No one knew much about Michael Malloy—not even, it seemed, Malloy himself—other than that he had come from Ireland. He had no friends or family, no definitive date of birth (most guessed him to be about 60), no apparent trade or vocation beyond the occasional odd job cleaning coffins, sweeping alleys or collecting garbage, happy to be paid in alcohol instead of money.[11] He had been a gainfully employed stationary engineer – working on industrial machines in New York.[12] But this was the height of the Great Depression, and jobs were basically non existent.Like so many men of that era who once worked in America’s heavy industry, and so many Irish men who travelled to big cities across the United States, he hit the bottle hard, and became a slave to it. A “speakeasy derelict.”[13] He was, wrote the Daily Mirror, just part of the “flotsam and jetsam in the swift current of underworld speakeasy life, those no-longer-responsible derelicts who stumble through the last days of their lives in a continual haze of ‘Bowery Smoke.’ ”[14]Frank Pasqua (The Curious Case Of Michael Malloy – “Rasputin Of The Bronx”)Pasqua, 24, an undertaker by trade, ran a funeral home on E. 116th Street in East Harlem. A clever, cold-blooded type, Pasqua was one of the only people around who knew what Tony Marino had done to Betty Carlson.[15] Pasqua eyed Malloy’s sloping figure, the glass of whiskey hoisted to his slack mouth. “Why don’t you take out insurance on Malloy?” Pasqua asked Marino that day, according to another contemporary newspaper report. “I can take care of the rest.”[16]Marino paused. Pasqua knew he’d pulled off such a scheme once before. The prior year, Marino, 27, had befriended a homeless woman named Mabelle Carson and convinced her to take out a $2,000 life insurance policy, naming him as the beneficiary. One frigid night he force-fed her alcohol, stripped off her clothing, doused the sheets and mattress with ice water, and pushed the bed beneath an open window. The medical examiner listed the cause of death as bronchial pneumonia, and Marino collected the money without incident.[17]Pasqua offered to do the legwork. The men convinced Mike Malloy that he needed some insurance on himself. Malloy, who had spent untold years in an alcohol-induced haze, didn't seem to think anything was amiss and allowed Frank Pasqua to steer him towards the insurance office.[18] Malloy was instructed to identify himself as Nicholas Mellory and claim to be a florist, a detail that one of Pasqua’s funeral business colleagues would verify.[19] However, no amount of pomade and bay rum could clean up the pestiferous Malloy. The policy application came back stamped REJECTED.[20] As did a half-dozen others. It occurred to the boys that if Malloy was going to be insured by some gullible company, he could not show his face.It took Pasqua five months (and a connection with an unscrupulous agent) to secure three policies—all offering double indemnity—on Nicholas Mellory’s life: two with Prudential Life Insurance Company and one with Metropolitan Life Insurance Company.[21] Pasqua recruited Joseph Murphy, a bartender at Marino’s, to identify the deceased as Michael Malloy and claim to be his next of kin and beneficiary.[22] If all went as planned, Pasqua and his cohorts would split $3,576 (about $54,000 in today’s dollars) after Michael Malloy died as uneventfully and anonymously as he had lived.[23]While death by automobile qualified for double indemnity, death by liquid poisoning, hypothermia, tainted seafood, and carpet tack sandwich did not.[24] The Murder Trust had been unknowingly undermining themselves since Day One.Iron Mike Malloy: The Donegal man they tried nine times to killThe policy of “double indemnity” was at the heart of an infamous New York murder just five years earlier. In 1927, a Queens housewife named Ruth Snyder, and her lover, murdered her husband Albert and passed it off as a burglary gone awry. She had persuaded Albert to take out a life insurance policy, with an extra payout in the event of a violent death. The two were easily caught, convicted, and both electrocuted after a high-profile trial that inspired the novel Double Indemnity, and the classic noir thriller movie of the same name.[25]Malloy was an alcoholic and Marino, as owner of the speakeasy, thought that if he gave him unlimited credit, he would drink himself to death. Marino thought it a brilliant plan, declaring he would “give all of the drink he wants…and let him drink himself to death.”[26] But though Michael did abuse the credit and drank most of the time, he kept appearing in the bar for free liquor.To Malloy’s undisguised delight, Tony Marino granted him an open-ended tab, saying competition from other saloons had forced him to ease the rules.[27] No sooner did Malloy down a shot than Marino refilled his glass. “Malloy had been a hard drinker all his life,” one witness said, “and he drank on and on.”[28] He drank until Marino’s arm tired from holding the bottle. Remarkably, his breathing remained steady; his skin retained its normally ruddy tinge. Finally, he dragged a grungy sleeve across his mouth, thanked his host for the hospitality, and said he’d be back soon.[29] Within 24 hours, he was.Malloy, accustomed to getting the bum's rush because of his lack of funds, was so thrilled that he eagerly signed a petition that would help elect Marino for local office. What he actually signed was an insurance policy from Metropolitan Life for $800, and two from Prudential for $495 each. The gang even provided Malloy with a crash pad in the back of the bar to sleep off his hangovers.[30](The legend of Iron Mike Malloy and the Murder Trust)Malloy followed this pattern for three days, pausing only long enough to eat a complimentary sardine sandwich.[31] Marino and his accomplices were at a loss. Maybe, they hoped, Malloy would choke on his own vomit or fall and slam his head. But on the fourth day Malloy stumbled into the bar. “Boy!” he exclaimed, nodding at Marino. “Ain’t I got a thirst?”[32]Tough Tony grew impatient, suggesting someone simply shoot Malloy in the head.[33] As a bartender and chemist, Murphy was intimately familiar with all the lethal poisons floating around the country’s speakeasies.[34] The main ingredient of wood alcohol is methanol, a highly toxic chemical substance often found in such industrial compounds as paint thinner and automobile antifreeze.[35] Murphy recommended a more subtle solution: exchanging Malloy’s whiskey and gin with shots of wood alcohol. Drinks containing just four percent wood alcohol could cause blindness, and by 1929 more than 50,000 people nationwide had died from the effects of impure alcohol.[36] They would serve Malloy not shots tainted with wood alcohol, but wood alcohol straight up.Kriesberg allowed a rare display of enthusiasm. “Yeah,” he added, “feed ’im wood alcohol cocktails and see what happens.”[37] Murphy bought a few ten-cent cans of wood alcohol at a nearby paint shop and carried them back in a brown paper bag. He served Malloy shots of cheap whiskey to get him “feeling good,” and then made the switch.[38]The gang watched, rapt, as Malloy downed several shots and kept asking for more, displaying no physical symptoms other than those typical of inebriation.[39] “He didn’t know that what he was drinking was wood alcohol,” reported the New York Evening Post, “and what he didn’t know apparently didn’t hurt him. He drank all the wood alcohol he was given and came back for more.”[40]Tony Matiano Speakseasy (The Curious Case Of Michael Malloy – “Rasputin Of The Bronx”)Night after night, Malloy drank shots of wood alcohol as fast as Murphy poured them, until the night he crumpled without warning to the floor.[41] The gang fell silent, staring at the jumbled heap by their feet. Pasqua knelt by Malloy’s body, feeling the neck for a pulse, lowering his ear to the mouth. The man’s breath was slow and labored. They decided to wait, watching the sluggish rise and fall of his chest. Any minute now. Finally, there was a long, jagged breath—the death rattle?—but then Malloy began to snore. He awakened some hours later, rubbed his eyes, and said, “Gimme some of th’ old regular, me lad!”[42]Over the next few days the gang spiked Malloy's drinks with stronger doses of antifreeze, then turpentine and, finally, horse liniment with rat poison[43]The plot to kill Michael Malloy was becoming cost-prohibitive; the open bar tab, the cans of wood alcohol and the monthly insurance premiums all added up. Marino fretted that his speakeasy would go bankrupt. Tough Tony once again advocated brute force, but Pasqua had another idea. Malloy had a well-known taste for seafood.[44] Why not drop some oysters in denatured alcohol, let them soak for a few days, and serve them while Malloy imbibed?[45] “Alcohol taken during a meal of oysters,” Pasqua was quoted as saying, “will almost invariably cause acute indigestion, for the oysters tend to remain preserved.”[46]As planned, Malloy ate them one by one, savoring each bite, and washed them down with wood alcohol. Marino, Pasqua and the rest played pinochle and waited, but Malloy merely licked his fingers and belched.[47]At this point killing Michael Malloy was just as much about pride as about a payoff—a payoff, they all griped, that would be split among too many conspirators.[48] Murphy tried next. He let a tin of sardines rot for several days, mixed in some shrapnel, slathered the concoction between pieces of bread and served Malloy the sandwich. [49] Any minute, they thought, the metal would start slashing through his organs. Instead, Malloy finished his tin sandwich and asked for another.With the understanding that nothing ingestible would kill Michael, the Murder Trust saught alternative ways to kill him. The gang called an emergency conference. They didn’t know what to make of this Rasputin of the Bronx. Marino recalled his success with Mabelle Carlson and suggested that they ice Malloy down and leave him outside overnight.[50] That evening, with recorded temperatures of -14°F, Marino and Pasqua tossed Malloy into the back seat of Pasqua’s roadster, drove in silence to Crotona Park and lugged the unconscious man through heaps of snow.[51] After depositing him on a park bench, they stripped off his shirt and dumped 5 gallons of water on his chest and head. Malloy never stirred. When Marino arrived at his speakeasy the following day, he found Malloy’s half-frozen form in the basement.[52] Somehow Malloy had trekked the half-mile back and persuaded Murphy to let him in. When he came to, he complained of a “wee chill.”[53]File photo of an American cab driver (Iron Mike Malloy: The Donegal man they tried nine times to kill)Ironically, Malloy took a week-long break from his booze consumption during this period to seek treatment for a festering sore on his leg at Fordham Hospital.[54] It showed the Murder Trust that despite everything, Mike Malloy was indeed physically fallible.February neared. Another insurance payment was due. One of the gang, John McNally, wanted to run Malloy over with a car. The gang had offered John McNally and James Salone $200 and then $400 to run him over, but both men refused.[55] Tin Ear Smith was skeptical, but Marino, Pasqua, Murphy and Kriesberg were intrigued. John Maglione offered the services of a cabdriver friend named Harry Green, whose cut from the insurance money would total $150.[56] Green, a 23-year-old son of Russian Jewish immigrants, ran a taxi company in the Bronx, and was asked to arrange an “accidental” collision with Mike Malloy.[57]They all piled into Green’s cab, a drunken Malloy strewn across their feet. Green drove a few blocks and stopped. Bastone and Murphy dragged Malloy down the road, holding him up, crucifixion-style, by his outstretched arms. Green gunned the engine. Everyone braced. From the corner of his eye, Maglione saw a quick flash of light.“Stop!” he yelled.[58]The cab lurched to a halt. Green determined it had just been a woman turning on the light in her room, and he prepared for another go.[59] Malloy managed to leap out of the way—not once, but twice. On the third attempt Green raced toward Malloy at 50 miles per hour. Two thuds, one loud and one soft, the body against the hood and then dropping to the ground. For good measure, Green backed up over him.[60] The gang was confident Malloy was dead, but a passing car scared them from the scene before they could confirm.On February 7, a man carrying Nicholas Mellory’s ID card was found battered and bloodied at Austin Place, in the South Bronx. He was revealed to be Joseph Patrick Murray, a 31-year-old immigrant from Calteraun, Co Sligo. In 1934, his permanent address was listed as 1786 Vyse Avenue, right on the other side of Crotona Park from Tony Marino’s speakeasy.[61]Iron Mike Malloy: The Rasputin of the Bronx - Celtic AttitudesAn out of work plasterer who had fallen on hard times, Murray was later found in a “rickety shack in a Depression colony” next to the Hudson Parkway.[62] Murray later recounted getting drunk at a speakeasy in Harlem on the night of 7 February, before being offered a free lift and free booze by a taxi driver. [63] There were two men in the back seat, and driving the cab was a face familiar to Murray – Harry Green. The New York Times reports that a “negro” saw Murray being knocked down by the car at Austin Place, and quickly wrote down the taxi license number – it was Green’s.[64]On the ID for Nicholas Mellory, found stuffed into Murray’s coat pocket after the accident, was his next of kin – Frank Pasqua, the undertaker.[65]It fell to Joseph Murphy, who had been cast as Nicholas Mellory’s brother, to call morgues and hospitals in an attempt to locate his missing “sibling.”[66] No one had any information, nor were there any reports of a fatal accident in the newspapers. Five days later, as Pasqua plotted to kill another anonymous drunk—any anonymous drunk—and pass him off as Nicholas Mellory[67] , the door to Marino’s speakeasy swung open and in limped a battered, bandaged Michael Malloy, looking only slightly worse than usual.His greeting: “I sure am dying for a drink!”[68]Malloy could only remember fragments of the previous night- the taste of whiskey, the cold slap of night air, the glare of rushing lights. Then, blackness. Next thing he knew he woke up in a warm bed at Fordham Hospital and wanted only to get back to the bar.[69]Image credits: NYC Municipal Archives via thejournalTired and running out of ideas, the Murder Trust gang took one final shot. It has been estimated that by this stage of the game, the Murder Trust had spent about $1800 trying to murder a man who was worth, at best, $1788.[70]Two of the men rented a room in an old boarding housenear 168th St. (less than a mile from Marino’s speakeasy) with gas lighting. On February 21, 1933 after he had passed out, they hauled him there, connected a hose to the gas valve, ran it into the old man's mouth, securing the hose with a towel wrapped around his head. The illuminating gas was dense with that lethal poison, carbon monoxide.[71]The conspirators didn't know, of course, that carbon monoxide is so efficient because it muscles oxygen out of the blood stream. They didn't know that carbon monoxide forms a bond with proteins in the blood that is 200 times more powerful than that of oxygen.[72] That it induces a chemical suffocation.They didn't know that and they probably wouldn't have cared. They just knew that the steady hiss of illuminating gas did its job. Malloy barely lasted ten minutes. Dr. Frank Manzella, a friend of Pasqua’s, filed a phony death certificate citing lobar pneumonia as the cause for a payment of $100.[73] Red Murphy successfully passed himself off as the brother of “Nicholas Mellory” and collected $800 from the Metropolitan Life Insurance Company. Murphy and Marino both spent their shares of this money on new suits.[74]A check for $800 from the Metropolitan Life Insurance Company, the only money the Murder Trust collected (The Man Who Wouldn’t Die)Pasqua arrived at the Prudential office confident he would collect the money from the other two policies, but the agent surprised him with a question: “When can I see the body?”[75] Pasqua replied that he was already buried. In fact, Malloy's friends gave him an elaborate burial in the Potter's Field at Ferncliff Cemetery for $12.[76]Pasqua billed his insurance company for an expensive coffin and non-existent floral arrangements.[77]In May 1933, gravediggers exhumed Mike Malloy's body from a 12-foot-deep pauper's plot in the charity section of Westchester County's Ferncliffe Cemetery.[78] And even though this was several months after the death, by that time researchers knew that carbon monoxide was not only efficient but durable, tainting a body for weeks after death.[79] Laboratory analysis easily found lethal levels of carbon monoxide in the remains of Malloy.Michael Malloy after exhaumation (Malloy the Invincible)An investigation ensued; everyone began talking, and everyone eventually faced charges. Green hadn't been paid his full share and started talking, while a professional hit man told friends that an insurance ring had been set to hire him, but his fee was too high.[80] Joseph Maglione, Edward “Tin Ear” Smith, John McNally, and Dr. Manzella all turned state’s evidence, and in exchange for reduced prison sentences, agreed to testify against the Murder Trust.[81] The now-recovered Joseph Murray told of his run-in with the Keystone Killers from the Bronx.[82] In their trial that autumn, the boys tried to pin the whole scheme on the deceased Tough Tony Bastone.Frank Pasqua, Tony Marino, Daniel Kriesberg and Joseph Murphy were tried and convicted of first-degree murder. At trial at the Bronx County Court House, the four murderers either claimed insanity or shifted the blame to each other, and then finally accused "Tough" Tony Bastone, a gangster who they said forced them to kill Malloy.[83] Bastone couldn't testify, having been killed a month after Malloy's death. “Perhaps,” one reporter mused, “the grinning ghost of Mike Malloy was present in the Bronx County Courthouse.”[84] Daniel Kriesberg, the 29-year-old grocer and father of three, stated he participated for the sake of his family.[85]In June and July 1934, Marino, Pasqua, Kreisberg and Murphy died in the electric chair at Sing Sing prison, which killed them on the very first flip of the switch. Harry Green, the taxi driver, went to jail. Dr. Frank Manzella served prison time for being an accessory after the fact.[86]In the end, with the exception of Malloy, no one profited from the scam. In his last months, Malloy had food, shelter, a never-ending supply of alcohol and what he thought were friends. His alcohol consumption alone exceeded the value of the insurance policies. As the number of co-conspiritors grew, shares grew smaller and smaller. Eventually, the Murder Trust turned on itself leading to the inprisonment of all and eventually execution for core members..Footnotes[1] The Legend of Mike 'The Durable' Malloy, History's Most Stubborn Murder Victim[2] https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.u-s-history.com/pages/h1528.html&ved=2ahUKEwjZn6mFx_PhAhVGM6wKHR4ZD_YQFjAAegQIARAB&usg=AOvVaw3c7Jm768EWR9kqzJczKISK[3] https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.nydailynews.com/news/justice-story/deadly-policy-insurance-scam-goons-pay-hefty-price-murder-article-1.1278023%3FoutputType%3Damp&ved=2ahUKEwiKlqilx_PhAhVJJKwKHQu9CzoQFjAFegQICRAB&usg=AOvVaw2w6EAoDBgMKiyQGL59lLz_&ampcf=1&cshid=1556480948837[4] http://Deborah Blum. The Poisoner's Handbook: Murder and the Birth of Forensic Medicine in Jazz Age New York, Penguin Press, Feb 18, 2010.[5] http://The Strange Death of Mike the Durable" in Women in Crime Inc, March 23, 2010. [6] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[7] Iron Mike Malloy: The Donegal man they tried nine times to kill[8] New York Gangs Murder Trust and Michael Malloy Part 1[9] The Man Who Wouldn’t Die[10] The Man Who Wouldn’t Die[11] The Science Behind Seven Of The World's Most Horrifically Gruesome Deaths[12] Iron Mike Malloy: The Donegal man they tried nine times to kill[13] Iron Mike Malloy: The Donegal man they tried nine times to kill[14] A Toast to Mike the Durable[15] MOLLOY THE MIGHTY.[16] The Curious Case Of Michael Malloy – “Rasputin Of The Bronx”[17] Michael Malloy from the Useless Information Home Page[18] MOLLOY THE MIGHTY.[19] http://Deborah Blum. The Poisoner's Handbook: Murder and the Birth of Forensic Medicine in Jazz Age New York, Penguin Press, Feb 18, 2010.[20] MOLLOY THE MIGHTY.[21] http://Deborah Blum. The Poisoner's Handbook: Murder and the Birth of Forensic Medicine in Jazz Age New York, Penguin Press, Feb 18, 2010.[22] MOLLOY THE MIGHTY.[23] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[24] http://The Strange Death of Mike the Durable" in Women in Crime Inc, March 23, 2010.[25] The Shocking Story Behind The First Photo Of Death By Electric Chair[26] The Legend of Mike 'The Durable' Malloy, History's Most Stubborn Murder Victim[27] Iron Mike Malloy: The Donegal man they tried nine times to kill[28] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[29] http://Deborah Blum. The Poisoner's Handbook: Murder and the Birth of Forensic Medicine in Jazz Age New York, Penguin Press, Feb 18, 2010.[30] The durable Mike Malloy[31] Iron Mike Malloy: The Donegal man they tried nine times to kill[32] The Man Who Wouldn’t Die[33] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[34] Meet Michael Malloy: The Man Who Wouldn’t Die[35] http://O'Connor, Michael (2007-10-07). "The Durable Mike Malloy". New York Daily News[36] Wood Alcohol[37] The Man Who Wouldn’t Die[38] http://Deborah Blum. The Poisoner's Handbook: Murder and the Birth of Forensic Medicine in Jazz Age New York, Penguin Press, Feb 18, 2010.[39] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[40] The durable Mike Malloy[41] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[42] The Man Who Wouldn’t Die[43] The durable Mike Malloy[44] Iron Mike Malloy: The Donegal man they tried nine times to kill[45] Meet Michael Malloy: The Man Who Wouldn’t Die[46] Landmarks in Medicine[47] Rasputin of the Bronx – The Irishman they couldn’t kill[48] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[49] The Science Behind Seven Of The World's Most Horrifically Gruesome Deaths[50] Michael Malloy from the Useless Information Home Page[51] Rasputin of the Bronx – The Irishman they couldn’t kill[52] Meet Michael Malloy: The Man Who Wouldn’t Die[53] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[54] http://The Strange Death of Mike the Durable" in Women in Crime Inc, March 23, 2010. [55] Iron Mike Malloy: The Donegal man they tried nine times to kill[56] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[57] http://Deborah Blum. The Poisoner's Handbook: Murder and the Birth of Forensic Medicine in Jazz Age New York, Penguin Press, Feb 18, 2010.[58] The Man Who Wouldn’t Die[59] Iron Mike Malloy: The Donegal man they tried nine times to kill[60] Iron Mike Malloy: The Donegal man they tried nine times to kill[61] Image on thejournal.ie[62] Iron Mike Malloy: The Donegal man they tried nine times to kill[63] http://Deborah Blum. The Poisoner's Handbook: Murder and the Birth of Forensic Medicine in Jazz Age New York, Penguin Press, Feb 18, 2010.[64] https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.amazon.com/House-Bizare-Killing-Michael-Berkley/dp/0425206785&ved=2ahUKEwj65bLF5PHhAhVOHqwKHajTAUM4ChAWMAJ6BAgHEAE&usg=AOvVaw0COWWTD2Hp4fBZqTJ3wVf8[65] Image on thejournal.ie[66] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[67] Image on thejournal.ie[68] The Man Who Wouldn’t Die[69] Rasputin of the Bronx – The Irishman they couldn’t kill[70] Malloy the Invincible[71] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[72] Carbon Monoxide Poisoning[73] PHYSICIAN IS GUILTY IN MALLOY SLAYING; Bronx Jury Finds That Dr. Manzella Gave a False Certificate of Death.[74] The Man Who Wouldn’t Die[75] The Man Who Wouldn’t Die[76] Malloy the Invincible[77] Meet Michael Malloy: The Man Who Wouldn’t Die[78] The durable Mike Malloy[79] The Legend of Mike 'The Durable' Malloy, History's Most Stubborn Murder Victim[80] The durable Mike Malloy[81] http://Simon Read. On the House: The Bizarre Killing of Michael Molloy, Berkley Books, 2005[82] https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.nybooks.com/articles/1996/06/20/keystone-killers/&ved=2ahUKEwjNwePzyfPhAhUFLKwKHfRjC8YQFjAAegQIBBAB&usg=AOvVaw2szu38HM-gRLJPAYOxEN4M[83] Iron Mike Malloy: The Donegal man they tried nine times to kill[84] Iron Mike Malloy: The Donegal man they tried nine times to kill[85] ExecutedToday.com " daniel kriesberg[86] Michael Malloy from the Useless Information Home Page

Why should I pay for other people’s healthcare when I can barely my afford my own?The reason you can barely afford your own health care is due to the fact you don’t want to pay for other people’s.In subscribing to the idea that a ‘socialised’ health care system is simply you paying for ‘other people’s’ you allow and encourage the privatised health care monopoly which is existent in no other developed nation other than the US.In every other developed country it is common for people to check their list of symptoms before deciding whether or not to seek medical assistance.Only in the US is it common for people check their list of symptoms, then their insurance documents and/or bank balance, before deciding whether or not to seek medical assistance.Taking my own country as an example: In the U.K. we pay National Insurance. This is a proportionate percentage of our salary which goes towards funding the NHS - our health care service, in case we ever need it.In the US you pay, or have as part of your salary, a health insurance premium which goes towards funding your healthcare in case you ever need it.What’s different? We’re both paying for something called insurance each month that goes towards funding any healthcare we may need.‘What’s different, Paul, is that your premium doesn’t pay for just you, it pays for everyone else whether they work or not, to receive the same level of care as you. That’s unfair!’Is it? Let’s compare.Which am I more okay with? In System 1 the money I pay goes directly into a pot which funds the very same facilities I will rely on if I ever need them, and yes, funds the care of other people who will use the same facilities when I’m not doing.In System 2 the money I pay goes directly into a pot which will only fund the facilities I will rely on if I need them if and when I need them. The rest of the surplus cash goes directly into various shareholders’ pockets and funds the lifestyle of said parties.In System 1 I’m paying for a new MRI machine I hope I’ll never have to use but other people will see the benefit of in the meantime. In System 2 you’re paying for a new yacht you’ll definitely never get to use but a certain few other people will see the benefit of.Thanks for opting for the Chemotherapy, John!Image creditWhich is more unfair?In System 1 that premium I pay every month means I that I will receive a comparable [1] level of care without ever having to pay anything more than the equivalent of $10 for a course of medication. My premium is unaffected regardless of how much medical care I need in the long or short term.In System 2 I’d have to pay a cost up-front which would be (hopefully, depending on the plan) offset by the premium I pay, and face an ever increasing level of monthly premium depending on how much care I require. In terms of maximum cost there is theoretically no ceiling to how much I may have to pay.The worse my condition is, the more it’s going to cost me. The notion that the worse my condition the less capable I may be of working to fund this ever increasing cost to maintain a quality of life is, apparently, a ‘me problem’.All we’re saying Paul, is it’s only a few small deliveries and since you’ve now got your own personal transport…Image CreditContinuing in this vein, in System 1 I pay a flat percentage, or a tax if you will, of whatever my income is towards my healthcare. The more I earn the more I pay but this is proportionate. I’d miss 10% of a £1000 monthly income as much as I’d miss 10% of £10,000 monthly income. This amount won’t change regardless of how much care I or any of my family needs. As a result this is not a ‘perk’ of any particular job. It’s the same in any career. The right to this care is not something my employer can use as part of a negotiation when discussing remuneration for my work.Sorry, we can’t offer you any more money, but who needs food when clearly the dental on offer here is second to none, am I right?Image creditIn System 2 the amount I will pay towards healthcare is dependent on a number of factors including my profession, geographic location, current level of health or the health needs of my family. This is all subject to change depending on the fluctuations of the private market which has been constructed around it. A comparable level of cover will cost me the same if I’m on $1000 a month as someone who is earning $10,000 per month. The difference here is I’ll definitely miss that flat fee of, say $500 or 50% of my income more than the $10,000 per month person will miss 5% of theirs.System 1 means everyone can earn at least £162 per week without paying a penny, 12% of whatever you earn up to the next £730 per week on top of that goes towards your healthcare (and more but we’ll just stick to health here) and if you’re in a well-paid job where you earn over £892 per week just 2% of everything over that is taken towards National Insurance [2]. For this you get all the healthcare, doctor’s appointments, therapies, surgeries etc that you will ever need with no extra cost like co-pays or deductibles.System 2 is anyone’s guess. Depending on the insurance company, your employer, your medical history and needs and that of your dependents, where you live and what you do then the cost can vary quite wildly. And not everything is covered and there’s a good chance you’ll still need to pay towards whatever care you need on top of that.Yet there are those who would fight tooth and claw to keep System 2 over System 1. Because either:They would rather pay more and for any unused premiums to go to making shareholders richer rather than helping other people or improving healthcare facilities they may one day need when they don’t immediately need them, or…System 1 is ‘socialist’.Which brings me on to my next point. The concept of public healthcare is marketed to the people in the US as socialist healthcare.In every other country where it’s available it’s referred to as universal healthcare.This labelling here is important.Whilst everyone recoils from socialism as being anathema to the American virtue of working hard to provide a better life they view universal healthcare as a way of rewarding those who don’t want to work.But rewarding them with what exactly? The luxury of still breathing?God grandpa, it was your choice to retire. If you wanted to keep the heating on AND treat your arthritis you should have kept working at the factory. You’d already done 50 years - another 10 wouldn’t hurt. Now you expect us to help pay for you? What’s your fucking problem?!Image creditThis is where it gets confusing. In the US you have the god-given, inalienable right to freedom, liberty, and justice. You have the right to own a firearm and speak and walk freely without undue persecution or hinderance.But you want to actually be alive to excercise these rights?Sorry Joe, you’re gonna have to pay us for that.There’s the difference. Healthcare in other developed nations is seen as a right. The right to life and a quality of life. In the US it’s seen as a consumable, a product, a luxury that (and I’m aware of the ridiculousness of this statement) something you can maybe afford to live without?Universal healthcare is not some Marxist, socialist, communist nightmare. The rich are not ceaselessly punished for being successful. Take the figures I quoted earlier on the rates of contribution to national insurance. If you’re on a low income (less than £162 per week) then you need that money for things like food and shelter and other necessities. You pay nothing.If you’re earning over £162 up to £1000 you still don’t get charged anything on the first £162 of your weekly income, that’s yours. Then it’s 12% of whatever you earn between £162 and £892 each week. Most of us fall under this category [3].But whereas under the awful socialist construct the unwashed masses should then pursue the rich and successful for every penny to feed the poor and unwilling to work types, you are instead charged 2% (yes 2%, not 12% or 20% or 99% like some would have you believe the so-called dirty socialist model calls for) on anything you earn over £892 per week.I’ve heard about them golden eggs of yours, now share with the state you flappy bourgeois bastard!Image creditTo put this into context, the average US salary is $857 per week [4] or £656. In terms of national insurance for universal healthcare you would pay £59.28 or $77.53 per week. Taking a monthly salary on an income of $3,714 you would pay $335.18 each month. That’s for complete, comprehensive health cover for you and your family with no co-pays or deductibles apart from maybe $10 for a prescription - regardless what drug the prescription is for. Oh and if anyone in your family is under 16 and needs a prescription it’s free. And if you earn less than £162 per week the prescription is also free. And if your children are over 16 but studying then it’s free too.The average monthly US health insurance payment is $308 [5] . For an individual. Before co pay. Or deductibles. Regardless of your income.I’m fairly sure if I was to open an insurance company in the US that offered complete and totally comprehensive health insurance with no co-pay or deductibles ever that covered you and all your immediate family for a flat $335 per month I’d be inundated with applications.I told you we shouldn’t have gone for the 90,000 lumen signage, the electricity bill is going to be massive…Image creditI’m also fairly sure I’d be bullied and slandered into shutting down pretty quickly by the existing industry also who would lose an absolute fortune to me.And so we finally get to it.The reason so much time, money and marketing is railed against the idea of universal healthcare in the US: There are too many people who are making too much cash that can use said cash to preserve the industry they have made which profits from people’s unquestionable desire to continue to remain not-dead.But what about the cost? Won’t someone think of the deficit?The US government spends an average of $10,224 per year on healthcare for each person [6], roughly twice as much as most other countries spend. Yet the life expectancy of a US citizen is the same, and in many cases actually lower [7]than other countries who spend much less. Many of which have universal healthcare systems.Add to this the fact that the US is the only country in the world that also has a health insurance industry worth well over $800 billion per year [8] to further back it up and you have to wonder how exactly this money is being spent.Oh, it’s completely necessary for work, it gets me from A to B…Image creditSo, going back to our two system comparison. You have System 1 which would:Provide a comparable level of care to System 2.Cost around half that of System 2 to the country.Would mean that every individual has comprehensive health cover without the need for private health insurance from cradle to grave.Will cover everyone equally regardless of whether you have less money in the bank than the next person.Includes no co-pay or deductibles.Means the biggest charge you can be hit with is $10 regardless of treatment.Couldn’t be used by employers as a bargaining chip to offset actual liveable wages.Removes the shareholder and for-profit systems that opens up the system to abuse in pursuit of revenue over care.Or System 2 which will:Provide a comparable level of care to System 1.Roughly consume twice the government budget spend on health care that System 1 would.Require everyone to pay into a plan whose cost fluctuates depending on your health, job or where you live, from cradle to grave.In many cases expect you to pay even more if you have the damn cheek to actually need to use the service on top of what you have been paying each month for the privilege of knowing that you can use the service.On top of any poor physical health may proceed to add insult to injury by bankrupting you if you or your child / loved one are unfortunate enough to need more care than you can afford.Can charge you whatever the market wants with by creating an entire private industry around treatments.Will give you a level cover which is intrinsically tied to whatever your financial worth is at that moment in time. Rest assured with this system you really can put a price on a persons worth.Will be used by employers as a tool of negotiation to pay you less in terms of actual salary each month in return for varying levels of cover.Has institutions who are run with the express intention of making money from you first, and offering care second. The rest are bound by the same market forces which are affected by such for-profit organisations and as such are likely to charge similarly compounded fees.So obviously, System 2, or the US Healthcare System as it is known to the rest of us simple minded folk is the right choice for the savvy consumer. If only the rest of the world could get out from under the heel of our socialist oppressors and see the light.Still, at least you’re not paying for other people right?That would be silly.Image creditEDIT: OP has expanded upon the original question in the comments below, please see these for further discussion.Footnotes[1] List of countries by life expectancy - Wikipedia[2] National Insurance rates and categories[3] Earnings and working hours[4] The Average American Monthly Salary[5] Health insurance costs in the United States - Wikipedia[6] How does health spending in the U.S. compare to other countries? - Peterson-Kaiser Health System Tracker[7] List of countries by life expectancy - Wikipedia[8] Revenue of U.S. life and health insurance industry 2017 | Statistic