Quote:
Originally Posted by Ozy_Flame
If you're not religious and don't believe in karma, who the F cares? You're six feet under ground; nothing applies to you anymore physically or emotionally since your brain rotted away and your body was eaten by Father time and maggots.
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Awesome! Thats hilarious because I basically give this same speech (not so graphically) to my young clients that have no dependants or co signer on their loan. For young people disability on their loan I think is very important due to more active lifestyle choices, but for some single guy, with a decent life insurance policy through his employer, life insurance is kinda stupid to take if you are under 35-40. The higest cause of death in young adults are traffic fatalities, which will be covered by the auto insurance policy anyway, and the rest of the causes break down to something like a 1/12000 chance if you are under 40. So in a lot of cases you are usually double, and sometimes triple dipping coverage.