Posted by JMOR on December 17, 2009 at 21:35:02 from (72.181.166.239):
In Reply to: Life insurance...Yikes posted by James Howell on December 17, 2009 at 02:21:03:
barn E said: (quoted from post at 23:53:11 12/17/09) MIL is 80 and her life insurance was canceled due to age. She knows other this has happened to. If your uninsurable and old enough(but not too old), New York Life through AARP will help you a little. First 2 years policy is no good though. Might get premiums returned though. Learned my lesson about whole life years ago. Friend with enthusiastic agent put his life savings 30K into policy. Agent said you will be a rich man. Next year agent came back and said where 30K premium for this year. Fella almost killed himself. Very popular company. Agent went into our church and sold almost everyone on this. What a shame and travesty of justice. Let your agent get pumping and tell him you are a personal friend of State Insurance Commissioner and see if he flinches. Most of them hit the road for me. And it was the truth, of course, so it was easy to say.
If you have young/at home children there may be a need for term life insurance. If not, then none whatsoever is needed. What do you want to do, pay your hard earned dollars now so that your spouses new partner can live the good easy life??!!
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