Posted by Buzzman72 on June 22, 2009 at 21:11:50 from (74.129.192.160):
In Reply to: Life insurance ???s posted by gun guru on June 22, 2009 at 17:07:51:
Financial "experts" tell you that whole life insurance is bad, bad, bad...but the idea of buying only term ONLY works if you stay healthy until you die. Once you contract something like diabetes, premiums for term go through the roof...whereas, if you'd bought whole life before the onset of the disease, your premiums would be locked in, and as long as you paid them, they'd never go up.
But these financial "experts" don't tell you that, because then their "rule" has an exception. My first wife had rheumatiod arthritis at age 22 when we married, and Mutual of Omaha's agent tore up a hospitalization policy application when we answered that pre-existing condition question truthfully. The ONLY coverage we ever had was group, through my employers...and whenever I changed jobs, it wasn't unusual to have a 1-year "exclusion" when changing insurance companies.
I have a lot of "issues" with both the medical industry--yes, it's an industry, not a "calling"--and the insurance industry. Both are less about healing people and more about annual double-digit increases in profits. Think not? Go into any city, and see who owns the biggest buildings....it's the banks, the lawyers, the insurance companies, and the medical industry. See who drives the BMW's, the Mercedes, the Lexuses...it's the bankers, the lawyers, the insurance agents, and the doctors. They're not mortal enemies, as doctors and lawyers want you to believe; they're all in cahoots.
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