It isn't exactly a scam, as it does exactly what it promises to do. The problem is it is a very expensive way to get the protection. You need life insurance. You need disability insurance. If you have both of those, this would serve no purpose. Just think - the reason your card company keeps trying to get you to buy it is because they make a bundle on those plans.
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Steve
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
* The world is a book and those who don't travel read only one page.
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