Insurance is the greatest scam in the history of scams. All insurance.
Yep you be right.
At work we have this 3rd party insurance thingy for (term life) <-- to me the biggest rip off ever.
However; This insurer says (I find it hard to believe) that if you take a 10 or 20 year Term policy and quit your job or even cancel the policy - > they will give you back every penny in premiums you spent ? ? wtf ? sounds to good to be true.
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