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To: nihil who wrote (23480)	11/28/1999 2:59:00 PM
From: Sonki	Read Replies (1) \| Respond to of 64865

ot: insurance. i m very confused now. should insurance be thought of as a safe investment or just a limited estate tax paying vehicle? i m 40. (very healthy, getting healthier). just looking at some round numbers of say $1m insurance. Best rated companies only ofcourse. option 1 20 yr term: $1000 /yr. So if i die at 61 everyone SOL. But $1m may not be much at that point and no one would miss it? option 2 $5600/yr. @ age 100 this would be 3.9 mil. @ 65 =1m, @80, 1.2 mil. if i take a difference of 5600 - 1000 = 4600/yr and put in 8% bond market, I would have $1,8 mil at age 100 but if I m with this inurance plan, I would have 3.9mil. Sounded too good to be true. all this would go down estate and income tax free. So i figured there must be a catch that I dont understand. Well enough peple on the thread recommended term life so I was going to choose term on Monday. Also all these insurance cost supposed to go up by 15-40% next yr. You seem like u have years of experience. Can I fax u this sheet my inurance company gave me? or If u pm me ur phne # I can pick ur brain some more? But i need to decide and get w. it before the end of the year. thx in adavance to all who answered me.