Haha as much as they love to take our money I'm sure they will be jumping in joy when I die to im pretty sure iv got more back then iv paid into it

That is my lofty goal, hopefully one day I will get there.

That guy looks like a riot!

he totally is! he keeps me sane!!

Alice Cooper warned me;

If zipper grabs skin
I'll know I had it out
When I shoulda kept it in
Ow

Yikes!:lol:

I used to think the same way, but my father-in-law and now my wife are with London Life. My sister-in-law was diagnosed Boxing Day 2011 with breast cancer but fortunately she had critical illness insurance. Highly recommend this. Unlike other policies, you don't have to "DIE" to collect. She was diagnosed and within a couple of weeks, received a cheque tax free for $200,000. Paid off a small mortgage she had and enough to live on for the year she is in treatment and recovery.

This is why I HATE Term Life Insurance. Several people I know paid lots into the term insurance, but they kept raising rates as you age and then bam, you can't afford it and your insurance is null and void when you die and your family and friends have to pick up your tab for the funeral (happened to a couple friends of mine).

That's why we all have 20 pay in our family. You pay for 20 years, you have dividends and after 20 years, still covered, your dividends grow & you don't ever have to pay another penny in premiums. We got one for each of our little girls as well so that by the time they are in university, the policy will be paid for and they will be covered for life. If they never cash out, their retirement fund will also be filled by the dividends collecting interest for 60+ years. And the younger we start their policies at, the more bang for the buck.

So 20 Pay and Critical Illness are the only "life" insurance policies I would ever recommmend. I hate the idea of term life because every 5-10 years your premiums get jacked up because their hoping you quit paying and then they keep all your money and you never see a cent.

Too many times lately we have had this happen in our circles.
People, you must get yourself some insurance. Regardless of your familial situation, it's the best you can do for your loves-ones.

my parents took out life insurance on me.... probably a good idea! lmao!!
plus I have it with my work and my rrsp's... so thankfully no one will be indebt when I die!