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@abigail8290 *If you can find a company to write a policy, it is very likely there will be a postponement of coverage for a few years or other adverse clauses restricting coverage. Premiums will be higher as well. Sorry you’re dealing with this.

@futuredreamer I’m sorry but you are very wrong - longer time horizons almost always equate to higher profits for insurance companies. At its simplest, longer liability durations equate to lower present values due to interest (and more time to invest the premiums…). This is part of the reason...

@maxyss Term reserves are much higher due to XXX reserves but PBR should bring them back down to ‘reasonable’ numbers. Profit margins on term are LOWER because the product is significantly more competitive. Term is MORE volatile due to the shorter time frame, particularly due to no CSV and...

@futuredreamer In what sense? Permanent products have objectively higher margins priced and realized and, more-or-less, are guaranteed profits for any insurance company… Life insurance is just that- insurance. It isn’t a viable savings instrument for most people.

@21chicken 999/1000 times people are better off investing the money they would have spent on life insurance, especially permanent products, which have high profit margins (for the company) and low returns (for you). Permanent is more expensive in part due to that guaranteed payout but also...