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Tom Said:

need advice ASAP on critical illness inurance with mortgage?

We Answered:

Yes, she'll make a commission off of it.

It's dumb to buy critical insurance or life insurance for the bank. That means, YOU make the payments, and THEY get the money.

If you want disability or life insurance, buy real disability or life insurance - usually for less money - that pays YOU or your spouse. That way, you can spend that money any way you want.

Buy insurance to benefit YOU. Not the bank.