>>wallfl+(OP)
> they each paid about $14,000 in annual premiums for 10 years, and the daily benefit started at $200 per day.
Insurance companies have to make money, but that's not that good of a deal, and the payout isn't that high ($73k annually) considering you won't be doing much else.
>>dehrma+vy
A lot of people think of insurance like a savings account rather than something like a sequence of options being rolled over so when they experience the reality of what they've been spending money on they tend to get very upset.