canadiananalyst

revisor Wrote:
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> I think what matters regarding this issue is how
> you interpret the "spirit" of insurance....
> Insurance should definetely not regarded as a
> means to "get rich", it must be thought that it is
> there only to cover against what is at risk.
>
> So, what is at risk?-> your smaller human capital
> (due to high volatility, high discount rate etc.)
> -> you should look for less insurance in that
> case. In other words, it helps you to maintain
> what you already had prior to the decease, not to
> generate a gain on it.


+1 breh