The entire insurance system is F-ed. They continuously come up with excuses to not pay or when they have to pay they find ways of making everyone one else pay. Its ridiculous. Life insurance is the same. Salesman say wine thing when they sell a package and then 30 years later when people start trying to collect the insurance company changes the policy. There was a huge class action law suit in Canada because people were sold this freedom 55 package by salesmen that turned out to be "whole life" plans. Of course nothing ever came out of the law suit. Its Madness.