Originally Posted by
Adam_G
a wise investor on these kinds of products will remove the riders relating to health and leave behind the life+investment products for a reason: "Life plan companies chose to cover only the ailments that are hardly possible to occur to anyone" - unless you are cursed to have a rare disease... - and the companies even try to filter out the possibility of them paying, by screening out those that are prone to the disease they listed - a good way to avoid trouble..
so they go in their sales pitch something like scarring you of the possibility of paying impossible hospital bills by getting sick and then becoming broke, but if you really think of it, how can they pay your bills IF the terms they have Does Not include the possible disease you will get? - whats the chance? - 0.001% in 100%?