I would like to stack up to 100,000. I am looking at this as an investment. If she lives 2 years, i get the full death benefit. if not, all premiums are refunded.
I don't think you understand how insurance works. Let me make a proposition to you, my mother has cancer. Will you write up a contract that says:
1. You'll pay me $100,000 if my mom dies in two years for which I'll pay you a premium payment significantly less than $100,000.
2. If she doesn't die within two years, you give me all the money I paid you back.
How much incentive do you have to take a deal like that!?!
*I do empathize with the situation, cancer sucks and I wish you the best during this difficult time for your family.