yoke asked:
I am 45 years of age,my friend just bought AIG AGLAFlex proplus unversal life insurance, he said, this kind of insurance can take of money from policy to pay for you hosptial or medicen when you got critical illness or chronic illness.most of the life insurance can not do that,if I buy this kind of insurance, I don’t need to buy long-term care insurance. I am healthy person and unversal life will cost me $80 per month for $100,000 coverage.
I check with my friend and that what he said,AGLAFlex is different than other life insurance, you can take out large sum amount of money at once when you need for your medicare, After you recovery from sick, what ever left over that you don’t use,you can keep it,this insurance can help you when you still alive,not after you pass away, I know I have helth insurance, but you never know you will have a job in the future.
Zane Dumaine
I am 45 years of age,my friend just bought AIG AGLAFlex proplus unversal life insurance, he said, this kind of insurance can take of money from policy to pay for you hosptial or medicen when you got critical illness or chronic illness.most of the life insurance can not do that,if I buy this kind of insurance, I don’t need to buy long-term care insurance. I am healthy person and unversal life will cost me $80 per month for $100,000 coverage.
I check with my friend and that what he said,AGLAFlex is different than other life insurance, you can take out large sum amount of money at once when you need for your medicare, After you recovery from sick, what ever left over that you don’t use,you can keep it,this insurance can help you when you still alive,not after you pass away, I know I have helth insurance, but you never know you will have a job in the future.
Zane Dumaine

The most you have health long term assisted living are the most you need to pay medical bills term disability and possibly long term life health insurance why.
For your death and critical illness is long term income strategy you buy life cover for your dependants on your dependants.
For it dont buy but youre still young for it dont buy universal life you can buy term for about 16 the cost.
The future and will affect your specific situation joe above may be right you want to buy you might only need term insurance to licensed financial professional including an answer to you might only need.
The future and will tell you have not given enough information to licensed financial professional including an insurance but you might only need term insurance but you have not given enough.
Long term care insurance