In my opinion, it is a huge scam. They conned my mother into a policy which they said would pay her bills and collect insurances once she passed. This cost about $1500 plus about $70/year which is absolutely ridiculous. My mother has very few assets and while she thought she was doing us a favor it ended up being a huge mistake for all involved. When we tried to call the guy who came over to my mom's, the number on his card only rang to the main company and there was no way to talk to an actual person. They also only gave 3 days to cancel. It was a huge headache and we ended up using the bank to cancel the transaction.

The fact that they meet you in your home may sound like a benefit, but it also is just another pressure ploy that insurance agents and other salesman use to get you to make a decision without taking the time to think it over or talk with an outsider.

Everyone needs a trust. That's pretty cheap 1495.00 compared to what attorneys make from you and your family. Do your homework, attorneys wills are the biggest scam of the century...that was in Oct. readers digest. Also articles that a trust is the only way to go...You are the owner of everything you own..they are not filed.. Until you go through probate with an attorney, don't say stupid things..Educate yourself, a trust is the only way to go...That is a cheap price, plus the services they offer. Just calling an attorney cost your kids thousands... go to your courthouse, pull someones last inherittance tax form from probate...who made thpusands AN ATTORNEY...not with a TRUST.