wow!! Typical.. without even knowing me you've already labelled me as con artist. and for what? for selling life insurance that IS legal to sell.. look, here is the thing with what I do n the way i was trained to do. We just dont go out there and tell ppl stories and tell them the expensive one is best for them. we give them the options to choose from and let them know what kind of product is available for them. Now if the client greeds on getting with the maximum face amount, we will ask then if he/she can afford it in the long run because this is not sth you want to buy as other insurance like car or property where there is a chance of not owning it one day leading to not paying the premiums.
I am banging my head here because I want to educate ppl you reads this thread that not all the agents are crook and life insurance is important to have. specially immigrants like us because if sth was to happen to us then you know how the consequences will be. it will be very tough for the families you leave behind. Yes , you can get as low as $25 but it depends on your age, height, weight, gender, health and occupation. if any agents comes to you, ask them TRANSMERICA quote and check on the options they select because that is the cheapest one I found and it is A rated among the insurance companies. Anyways, i just wanted to share some positive in this negative world of insurance threads.