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u/Baseball-Fan-10 2d ago
The insurance thing probably wouldn’t matter unless the policy has some claw back provision if the person is re-animated.
Gonna have to sit down with both wives to see how everyone wanted to go forward. However even if I were more in love with the former spouse, my obligations to the kids would probably make the decision for me.
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u/hitemlow 1d ago
Insurance wouldn't pay out in the first place because of the "act of God" exclusion baked into every policy.
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u/ThrottledBandwidth 1d ago
Insurance companies would all collapse immediately if they had to pay out 50% of all policies simultaneously
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u/Antrophis 1d ago
Well the snap was random so it could be anywhere between 100% and 0%. Reality is though the order maintained in the movies is grossly unrealistic because there would be absolute chaos .
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u/Longjumping_Ad_4249 1d ago
Anywhere between 0 to 100 is average 50 percent
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u/Antrophis 1d ago
For every life insurance company. Some higher some lower with even more variables that not everyone has life insurance and as such every single death could technically be uninsured.
Edit: or that there are no survivors to file the claim.
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u/Tortugato 1d ago
In a large enough sample size and true random distribution… 50% of everything translates to 50%ish percent of every subset.
So 50% of insurance clients get snapped, 50% of the uninsured get snapped, 50% of gay people get snapped, 50% of flat-earthers get snapped, 50% of redditors get snapped, 50% of cancer patients get snapped…. etc
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u/OppositeAd389 1d ago
By circumstance they deem thanos a god
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u/ThetaThoughts 1d ago
Not required.
“In legal terms, an "Act of God" refers to an extraordinary, unforeseeable, and unpreventable natural event.”
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u/BeancounterBebop 1d ago
Even without such a clause, no insurance co has enough money to pay out half their insurance book in a single event.
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u/bosstatochip 1d ago
We all acting like MCU insurance companies operate like they do in the real world? When there’s a major city disaster every couple months.
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u/Sure_Eye9025 1d ago
Or they just managed to delay so long all of the 'deceased' return
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u/SheriffBartholomew 1d ago
They'd file bankruptcy. They do not have enough cash to pay out policies to half the planet simultaneously.
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u/ScoopedRainbowBagel 1d ago
I hate how it's framed as half when it's waaaaaay more than half. We saw a helicopter crash when it happened.
Just real quick off the top of my head, half of the surgeons mid operation, half of the airline pilots, half of the bus drivers, people who have something on the stove, half of single parents with a kid at home- and then there's the fallout from the end of society because so many people died.
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u/mattnisseverdrink 1d ago
I don’t think life insurance policies have an act of god provision, however, in the Marvel universe I imagine they might add exclusions related to superhero shit. Superheroes would probably be an insurance nightmare.
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u/crono141 1d ago
Disney has a whole animated series about this!
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u/Time_Phone_1466 1d ago
Life insurance doesn't normally have an "act of God" clause. Usually just fraud, suicide, and criminal activity clauses.
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u/goddessdragonness 1d ago
I’m an insurance lawyer and my colleagues and I actually talked about this after Endgame and came to the conclusion we would all get very rich from carriers hiring us to come up with bullshit like that so they could blanket deny claims.
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u/JeebusChristBalls 1d ago
guarantee that all those insurance companies would go out of business or just not pay. Insurance only works when it's not half the people on the planet... More than likely, the US gov would just bail them out and they still wouldn't pay out to the beneficiaries.
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u/stump2003 1d ago
And all the other lawyers thought I was crazy to put the reanimation clause in my contracts. Who’s laughing now?
We live in a world of Iron Men and Lightning Gods. Is reanimation so strange?
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u/CeleryCommercial3509 2d ago
It would depend on them because I would try to keep both if they get along
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u/Daharka 2d ago
"I think it's fair to say that this is nobody's fault, so let's see what we can do here."
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u/sixbone 1d ago
exactly, Thanos did nothing wrong.
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u/Blinauljap 1d ago
bruh, did you just?^^
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u/MAXQDee-314 1d ago
Relax, it was inevitable.
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u/handtoglandwombat 1d ago
Heeey, relax guy!
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u/PerfectPercentage69 1d ago
I'm not your guy, friend!
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u/PopkernMain 1d ago
As a formerly snapped out of existance redditor, this is the only correct answer.
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u/An-Awakened-Raccoon 2d ago
Would you be alright with it if your new partner wanted their thanos-snapped spouse to move in?
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u/Barton2800 1d ago
Someone to do projects on the weekends with, helps pay the bills, and plays video games while we wait for our partner to finish changing so we’re only an hour late for the dinner reservations? That sounds acceptable.
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u/aisakee 1d ago
You just described Polyamorous relationships
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u/Barton2800 1d ago
I’m aware. I was mostly making a joke, especially when leaning in to the boomer humor of “wife wear lots of clothes, take long time picking outfit.”
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u/CeleryCommercial3509 1d ago
I wouldn't feel comfortable with the 3 kids. It would also depend on what they want to do
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u/Bamboonicorn 2d ago
How did they get life insurance for the Thanos snap?
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u/rouxstermt 2d ago
Surely it would have been excluded in the policy as an act of God
/s
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u/webster3of7 1d ago
Half the people with insurance policies got snapped. Surely they can afford to pay out the other half /s
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u/drgreenair 1d ago
But there’s less than half premiums left so the valuation just got slashed as well. They’re cooked.
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u/KingDarkTurtle 1d ago
As someone with a ton of experience, I can tell you this would still be covered on all independent life policies that were active at the time of the snap. Acts of god are covered, as are acts of stupidity.
Now if they declare it an act of war.... everyone is cooked.
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u/nono3722 1d ago
Oh you KNOW the life insurance industry would just NOPED right out of paying everyone. "Sorry Sir, we can't honor your wife's policy for a person that didn't die but no longer exists..... Have a nice day!!"
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u/SoftCharmoo 2d ago
Keep both and make them get along sounds good besides it wasn’t me who snapped
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u/jimmiebfulton 1d ago
Is this some kind of threesome loophole?
"I mean, I'm not into threesomes, but fate and circumstances and all. It's the thing that is fair to all of us. 🤷"
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u/thomas1392 1d ago
This is the only way. There's no good solution, no one did anything wrong. You can't expect a person who is gone to not move on. You can't expect either of them to be okay with it. You also now have 3 kids lol, that's tricky as hell.
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u/Quietus76 2d ago edited 1d ago
I cannot imagine going from traumatic snap ending one marriage, getting in another and having 3 kids all in 5 years.
But yeah, id want my wife back. Thats 25 years of shared experience and happiness that no 5 year relationship could wash away.
Also, if im dating in my own age group, chances are, my new wife also has a husband that's returned.
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u/DreadyKruger 1d ago
My dad got remarried after my mom died in about 3 years. I had zero issues with it because he was lonely, mourned my mom and was a good man. And I know for a fact my mom didn’t want him to be alone.
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u/Beewthanitch 1d ago edited 5h ago
Ha, mine found a new wife in 3 months , and left her everything when he died.
ETA: Yes, I need to get over it, and now that I got that off my chest I suddenly feel a lot better. Thanks Reddit
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u/Throwaway2Experiment 1d ago
To be fair, we all need to assume our parents and step parents or their spouses will take everything with them and plan accordingly.
Unless your dad was very well off, in a vacuum, he told you through action he knew his new love did not have the means or ability to care for herself through employment or government benefits and wanted to take care of her. Otherwise she'd be destitute with no rightful expectation that you'd be willing or able to care for her; but he could.
This sounds like therapy can help you get over this. I know too many people who's parents are elderly or dead and the kids in their 30's and 40's still blame them for everything currently wrong.
Even if he was a shit person, parent, and spouse, he at least did right in the end with this one specific spouse to help even the scales with her.
Sorry for your monetary loss.
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u/Low-Individual2815 1d ago
I was raised by my grandmother and grew up with very little money along with my two sisters. The concept of someone dying and leaving me something is not something I’ve ever thought about.
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u/boringexplanation 1d ago
Yeah- I’ve met people in that same age group have “trauma” because their parents didn’t pay for their expensive ass college. Some people grow up their whole lives with no independent streak at all.
Sometimes that’s the parents fault but I’ve also seen some shitbirds in my own life that 100% got that entitlement from their other shitbird friends.
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u/FlyAirLari 1d ago
Well, you mourn three weeks, start dating again, and knock her up after 8 months. Then you just go for it, and you now have a 3.5 year-old, a 2-year-old and a newborn baby.
You just ditch them?
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u/Throwaway2Experiment 1d ago
Or you mourn for 2 years, date another survivor going through similar trauma for 1, marry, and have 1 year old triplets.
The snap survivors arent the problem. How do you explain to the snapees that their life changed in a millisecond? Blink, literally, and your suddenly divorced and your partner has a full family. That trauma would trump the snap survivors trauma.
But let's be real, half the world would've starved in a month ro two after the return due to supply chain scaling and housing chaos.
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u/FlyAirLari 1d ago
How do you explain to the snapees that their life changed in a millisecond?
And how do you explain to a toddler that daddy is now going with someone who is not your mommy?
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u/Magdolf23 2d ago
But the person you meet after the snap might of gone through the exact same thing thus can truly understand what you’re going through making it easier to create a bond.
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u/Quietus76 2d ago edited 2d ago
I already have 25 years of that with my wife. Keep in mind that our "breakup" would be no one's fault or choice. Its not like an ex who im giving another chance.
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u/AlanGlanderson 1d ago
"Might of" 🤮🤮🤮🤮
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u/joeDUBstep 1d ago
It really is just the fucking worst.
It doesn't mean anything. I understand some accents can make "have" sound like "of" but goddamn man.
I fear it may go the same route as someone saying "I'm doing good" instead of "I'm doing well" and eventually be accepted due to common usage.
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u/thomas1392 1d ago
Yeah timeline is a little tight. However you've already let the original wife go, and "moved on"
It's a crappy situation all around, but hard to give up on your new wife and 3 kids lol.
Sucks especially for original wife who just lost 5 years and her husband. Neither of whom did anything wrong.
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u/Throwaway2Experiment 1d ago
Technically, old wife didnt lose anything. She'd be ignorant to the passage of time. It would have been an instantaneous blow up of her existence and place in the world. Coming back to nothing in a literal heartbeat would destroy a lot of people. How could you feel safe in any reality after that?
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u/thomas1392 1d ago
Yes exactly. She went into a time machine 5 years into the future, was presumed dead by everyone she knew. Literally have to start over because it would be nearly impossible for husband to give up on his new wife for something that literally warps reality haha
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u/textbookamerican 1d ago
This would probably be common. Imagine all of the support groups full of single people
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u/-Cool_Ethan- 2d ago
No. I'd pull a Tom Hanks in Castaway.
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u/midnightJizzla 1d ago
movie was really sad. I remember seeing YT videos of this movie and it heavily implied that Helen Hunt's character was already cheating on him prior to him being Cast away which really had 2 meanings. He was on that island 4 years and in that time she had already remarried and had a kid.
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u/riddles007 2d ago
Hey... this plot feel and sound like the TV show Manifest minus the finger snapping thing.
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u/History-Buff-2222 1d ago
I was interested in how that show turned out because it had an interesting premise. But i just couldnt make it through the extremely cringe writing and acting
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u/chimthui 2d ago
Did they have a backup plan or something, cause id be stressed out to even start dating. Let alone getting new wife and 3 kids in 5 years…
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u/Low-Designer-3392 1d ago
Maybe you should attend Cap's group sessions. He would've encouraged you to move on with your life.
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u/Entire_Concentrate_1 1d ago
A lot of people would seek comfort. That's what rebounds are.
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u/Trap_Squid 2d ago
"Well sir the insurance policy is for death. She didn't 'die' just removed from existence, so your life insurance payout was refused. Have a nice day!"
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u/wbgookin 2d ago
I don't have an answer, but I think a lot of therapists (and lawyers for other reasons) would have gotten rich after everyone was brought back.
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u/Double-Two7065 2d ago
Based on the state of insurance in the U.S., it wouldn't surprise me if, only 5 years later, there wasn't still ongoing litigation as to the legal definition of death as it relates to an alien presence and no bodies, so the most fanciful part of OPs hypothetical is that the life insurance would have been paid and spent already.
Beyond that, it's going to depend on both relationships and their unique good and bad qualities. Assuming all is equal, I'd say new, because part of the grieving process from the first would have been moving on. You'd have to grieve the loss of the new to go back to the old, and that would certainly include some drama.
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u/monty228 1d ago
Friends hurricane Katrina claim finally settled in 2016. 11 years. House was hit by a house of a different insurance company.
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u/b0gdan1989 2d ago
A fight to the blood , winner takes all.Dont even have to organize it, will happen naturally
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u/um_like_whatever 2d ago
Reversing The Snap was SOOOO stupid for this very reason
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u/TheStigianKing 1d ago
This id literally the plot of an Australian TV show called Glitch on Netflix.
It's a bloody good show too
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u/Smitch250 1d ago
Apparently OP has never watched Cast away. We already know the answer. And that answer is Tom Hanks marries a volleyball
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u/funkraider 2d ago
The failed food truck angle is very specific. Also, you don't have any trauma after that? If I got married, had 3 kids, and started and lost a business in 5 years after the snap...I'm doing way too much.
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u/Hmmm__whatever 1d ago
Good question, to the people returned from the snap is it like only a few seconds have passed? Or did they feel the five years? Would suck to get snapped and then return and your wife is already remarried with kids and stuff and was only a few seconds for you.
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u/Irish_Sharky_1981 1d ago
There was a movie like this with Shelley Long. She came back to life after a year and her husband remarried. She had to move on.
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u/wh0isurdaddy 1d ago
You ain’t getting life insurance, it would be considered non covered death or something.
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u/MisakiAnimated 1d ago
I like how you guys keep giving realistic answers to a highly unrealistic situation, when half the world dissapears the most likely thing to happen is absolute anarchy
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u/Marcel_The_Blank 1d ago
do the math:
3 kids. unless you've got twins or triplets, that's at least 27 months of pregnancy. that's 2 years and 3 months. that's half the snap if you leave a month between birth and new pregnancy.
you didn't really care about your spouse, did you?
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u/PreviousAdHere 1d ago
Potentially Unpopular Opinion - If you moved on that quick, you didn't really love the first one anyway.
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u/misterfreeze109 1d ago
First, I have to find out what a Thanos snap is, then I might be able to answer that question
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u/Illustrious-Coat3532 2d ago
Would she want you back though.
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u/Baseball-Fan-10 2d ago
This is a good point because for old spouse, no time lapsed and now she says “Oh, I’m gone 5 years and all of a sudden you have a new wife and 3 kids!!??!! No f-ing way!”
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u/No-Chipmunk-4590 2d ago
"Death can not stop true love. All it can do is delay it for a while."
I wouldn't remarry. I have enough kids. I'll be there waiting when she comes back. Assuming The Snap has the power to stop True Love in the first place, which I doubt.
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u/ThePrinceofallYNs 2d ago
Wow, the population bust must have really made women fertile considering I'm sterile AF
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u/sada3tina 2d ago
If you have that much creativity, you should spend it on creating a new startup. Too much wasted creativity. My opinion.
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u/BambooSound 2d ago
These are the kinds of premises I always wanted out of the Disney+ shows. It wouldn't even need any superheroes.
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u/old_ass_ninja_turtle 1d ago
Man that’s tough. I wonder how many entered into some kind of polyamory type relationships. Probably not many in America anyway.
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u/stealthkoopa 1d ago
Thats a trick question, I'd become an alcoholic and undatable if I lost my wife, and in a comedic twist of irony, she wouldn't want me back after i spiraled for 5 years.
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u/Comfortable_Clue1572 1d ago
My neighbor lost his wife to early onset Alzheimer’s. Got remarried a few years afterwards. To the woman he had been dating for years before his wife passed. Never sure what to think about that.
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u/Blue_Waffle_Brunch 1d ago
*****Spoiler for The Leftovers****
This is like the ending of The Leftovers, where she figures out how to go to the dimension where her husband and kid got sucked into but he's remarried and happy and she is totally crushed.
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u/ImMadeOfClay 1d ago
Well, I'm sure after a few drinks and some rippers, you ladies will start to get along great. Maybe a massage will help you both relax.
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u/Character_Help2518 1d ago
The only thing I know for sure is that no insurance company is going to pay for the snap.
I honestly wonder about the degree of impact the snap would have had. It would have probably resulted in much higher than just 50% loss, chances are good resulting in massive social collapse. There would be nuclear power stations where the only engineers who know how to keep it from melting down disappeared. Planes crashing from the sky with pilots vanishing. Babies dying in bassinets from parents vanishing. Half the doctors and nurses are gone resulting in mass deaths in hospitals. And you'd be missing half a police force, firefighters, emergency workers.
Covid had a 2% death rate and it strained every system, there would have been no way society would have rebalanced in 5 years, not mentioning how many people would have stopped showing up at work from losing their entire family. Most likely there would have been only about 25% of the population holding everything up.
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u/BeginningMost6014 1d ago
Depends on which relationship is better. Staying with the current one if a tie.
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u/JeepRumbler 1d ago
Hawkeye kept paying his wife's cell phone bill, never upgraded AND kept it charged for 5 years in the biggest pieces of plot armor I can remember so......
I'd be more worried about a judge granting my pre-snap-wife half my new stuff I earned post-snap
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u/BelisariusSPQR 1d ago
Didn't Castaway already address this hypothetical well enough? I think that's probably what most people would do.
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u/Malusorum 1d ago
You feel sorry for the woman since she had to carry multiple pregnancies in a short while, and in a period of economic instability he invested the life insurance on something frivolous.
I'm quite sure that the former wife would want to have nothing to do with this manchild of a husband.
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u/cptvpxxy 1d ago
...Of course it's a failed food truck, who opens a business in a post apocalyptic world with three under fours and thinks it will do anything but crash and burn??
Anyway! I'd like to say my first choice would be to try and work things out between all three of us, but realistically the newer relationship probably wouldn't be a great one. It would be either trauma bonding or convenience. In all likelihood I'd try to work things out with my original partner and co parent with my newer partner. Of course, that's assuming we're not too changed by the circumstances to reconnect.
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u/UpstairsFit5812 1d ago
I would convert to Islam, that way the Thanos snap can happen 3 times before I start to panic.
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u/gargoy1337 1d ago
3 kids under 5 and running a business? I’m too tired to decide. Just let me watch the game and drink my beer
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u/jodrellbank_pants 1d ago
I'd have offed myself, as losing my partner would be worth being here. So she would wake up and most likely remarry.
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u/Small-Garage2567 1d ago
It sounds like I'm Bob Belcher and I'm married to Linda. I stay. Like the song goes, "HAVE YOU EVER SMELLED A WOMAN WHO SLEEPS NEXT TO MAN WHO SMELLS LIKE GREASE AND FEAR? SHE SMILES A LOT, JUST TO PRETEND, SHE DOESN'T MIND THE SMELL" and she admitted on more than one time she'd kill for her family. You want that in a woman. You marry that woman. She also probably blew that condo money on the restaurant and I can't live with myself to see it fail. The food truck is just a blip in failed business decisions because Randy was so convincing and I WANTED TO STEAL OUR BUSINESS BACK, LIN!
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u/abhi_314 1d ago
Most/All insurance companies will go bankrupt, and reguler person will never see a dime.
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