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An excellent book that reveals the truth about the life insurance industry. Arm yourself with this book!
2 KISS.
Keep It Simple, Silly!
That's what this book does - it simlifies the life insurance debate. Along with "What's Wrong With Your Life Insurance" by Norman Dacey, this is one of the best books written about the subject.
Life insurance has been made hopelessly complex by the companies and agents selling cash-value insurance. Keep it simple...buy Term and do your investing elsewhere. Why would you investment money into a product that when you die your family doesn't get it???
Milton cuts to the chase and makes two very important points:
1) there is only one reasons agents sell cash-value life insurance: COMMISSIONS.
2) Cash-value life insurance IS term insurance - it just has a savings element attached to it that performs very poorly and has too many "gotchas".
Life insurance isn't complex and this book explains why.
3 Read how minorites and uneducated people are abused.
... The information in Arthur Milton's book is required reading for anyone who wants to prevent the deception of the insurance industry from wrecking their lives financially, and the lives of their descendants. ...
4 Misinformation
The most biased anti-insurance book I have ever read. Insurance is a complex tool which can be great when used properly, and harmful if not.
5 Biased, ill informed, and out of date
Mr. Milton's observations were ill informed and biased when he first made them. By the time he updates this book for today's audience, he's hopelessly out of date.
6 Milton exposes insurance company greed!
Milton, an expert in his field, with simple language illustrates the facts about what is being sold to ill-informed consumers. Amazingly so this older book reads like a crystal ball... the great insurers have been caught with their hands in the consumers pocketbooks and are being fined heavily for poor/deceptive product illustration,disclosure,and sales practices.Thank you Mr. Milton and other consumerists of your kind!!!
7 Abolutely one sided, Macro in nature not visionary
I have found that this book sends the wrong message. And does not support the argument that life Insurance Robs you.