Unfortunately you will hear suicidal individuals say the same thing.
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Meanwhile the biggest profit margins in the life insurance industry are selling permanent insurance to wealthy retirees who already straight up have a huge estate they're going to give to their spoiled wealthy children With the whole thing just being an elaborate tax dodge
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Certainly a massive juxtaposition between life insurance ownership and transfer of wealth among segments of populous. Not sure how to solve this though on a national level. Access to life insurance to create generational wealth and address worst case in people’s lives is key.
End of conversation
New conversation -
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Again, this was a big fight - "moral hazard" is a big deal in the industry - and the two-year exclusion was considered a decent compromise People considering killing themselves for the insurance money usually don't already have a policy and wouldn't be willing to wait two years
End of conversation
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And a lot of those same not-rich folks who should have life insurance are in risky jobs where they really should also have catastrophic/long term care policies but don't.
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