thanks.
according to it you don't lose it, it rolls over year to year and gets interest. BUT you still pay most of the insurance premium and have very high deductibles. And I love the decreasing term death benefit. PLUS it's not clear that your heirs actually will inherit the money in the savings plan at death.
It just looks like another insurance company gimick... they charge you the similar amount in premium, charge a higher deductible, and get the benefit of holding all those funds for you...
I'm not impressed. It doesn't solve any of the problems related to why most people don't have insurance coverage.
Sara
"I never give them hell. I just tell the truth and they think it's hell." - Harry Truman