X-Message-Number: 8518
Date: Mon, 01 Sep 1997 10:19:00 +0100
From: John de Rivaz <>
Subject: Re: insurance

In article: <>  
> Here is why I suggest that a permanent life insurance policy be used
> instead of a term policy. Basically, a term policy is fine UNLESS you
> become disabled by a disease which, even though it doesn't kill you,
> makes your risk of death seem much larger to any life insurance company.

Another valid and useful point.

How about, then, ensuring that the disability payout is enough to finish the 
savings program that was supposed to earn enough capital by the time the 
term policy runs out?

Another question is raised: is it possible to have a disability policy also 
pay out a fixed capital sum, and in addition for it to be paid direct to a 
third party? I can imagine that this facility may exist for the sum to be 
paid to a spouse or children, but it could in this case be directed to a 
cryonics organisation. 

Sincerely,     *          Longevity Report             *
               * http://www.longevb.demon.co.uk/lr.htm *
John de Rivaz  *           Fractal Report              *
               * http://www.longevb.demon.co.uk/fr.htm *
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