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I reviewed a guy's policies today. He had a whole BOX full of them. Bunch of accidental policies. Bunch of term with increasing rates and end at 80. Bunch of accidental hospital benefit policies. I'll bet there was 15 of them in all.
Guess what he DIDN'T have? Not one stinking real policy. Not one policy that would pay one penny if he dies of cancer at age 81.
He had no clue.
I agree, what do you say your "idea" is.......