Wanna buy a lifetime of disaster insurance?

Let's say you're in your twenties, and just starting out in life. And one day an insurance salesman walks up to your doorstep, toting his briefcase and wearing a cheap suit and a tie. He rings the door bell, smiles like a televangelist, and says, "Have I got a deal for you!" He's pushing a brand new insurance plan. He calls it "Lifetime Disaster Insurance." And he says..."For the rest of your life, you'll be covered whether you're a teenager, in your twenties, thirties, whatever age." He goes on to say...."This insurance protects you against anything. If you're disabled in a car accident, a mugging, or any other sort of horror, this insurance policy will kick in and cover all of your medical expenses, your rent, food, and pretty much everything else from the time you're injured until the day you die, even if you live to 100!" You look at him skeptically, but, unfazed, he continues. "Not only will this insurance plan cover you, but it also covers your spouse and kids, if something terrible happens to you, then your spouse and your children will be covered and cared for as a part of this insurance plan. And if something happens to any of them, their medical bills and the cost of feeding, clothing, and housing them will be covered, too. Forever! "Not only that," he continues, "If you have a child with a birth-defect that requires lifelong care, this insurance plan will cover all the medical expenses - and all the cost of living expenses - for your child from birth to death ...

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