One of the issues that plagues the insurance industry is fraud.  Nearly one in four U.S. adults say that overstating the value of claims to insurance companies is acceptable, and more than one in 10 say they approve of submitting insurance claims for items that were not lost or damaged or for treatments that were not provided, according to a survey released by Accenture. Two-thirds of respondents (66 percent) said that people are more likely to commit insurance fraud during an economic downturn than when the economy is strong. About half the respondents (49 percent) said that people commit insurance fraud because they can get away with it. 

Think for yourself, especially in the markets. There are many that have opinions that can be misleading and biased, in some cases due to their financial incentives. If I get anything across, independent thought would be my goal.

If I were dying and I could use my life insurance now to make me more comfortable, I would love the option to take it early. This is one place financial creativity actually helps someone in need. There are probably investment bankers working on ruining it however! 😉