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That information is incorrect. that's why I basically avoid posting in financial forums like this. People post stuff so emphatically and authoritatively, when in fact they're just plain wrong. And...

While I admire the ferocity, I'm not sure that 100% of what he's saying works.

For example, he discusses leveraging Universal Life cash values in your retirment via a bank loan. IT's a common...

Don't ever mix life insurance and investments. Not ever.

There is never a case where you don't have better options for investments than a life insurance policy.

People will bluster you with...

Harold showed a case where someone was paid a claim. 'Your employer' said they always deny claims. And you wonder why your credibility is being doubted?

You said people are TRAINED TO DENY...

You don't have to prove anything to anyone, including me. I just refuted your points and drew the obvious conclusion.

But you're not responding because I called you names, you're not responding...

Michael Moore's movies aren't a real good source of factual info about the operations of Canadian insurance companies. That's putting it mildly. In fact, it's not any evidence at all, because the...

Quoted so you don't forget what you wrote, and are now ignoring. Emphasis in the quote is yours.

Still waiting for the proof that employees are trained to deny claims.

Companies will require that you prove that your are disabled - expect this. Also expect not to like the process required to prove that you are disabled. And expect that if you are disabled long...

No details on how employees are trained to deny claims I notice. You don't have any experience with this, it's a nonsensical claim. You'll also notice that Harold's post talks about how someone...

I've been privy to the inner workings of the DI claims section of an insurance company. That's how. Your posts in this thread are complete nonsense and have nothing to do with reality. GIve your...

This type of nonsense destroys your credibility. You simply don't know what you're talking about.

Yes, because now you have someone dependent on that income - you.

Things to consider:
- elimination period, or how long before after you become disabled that you start getting a benefit.
-...

Yeah, for many guys, a barber is all that's required. Still, a salon will give you a better cut in many cases. A salon cut <> a choicecuts discount $10 haircut. I asked my barber about this once...

Gnucash and quasar are both open source. I've looked at both and will likely be moving to one of them for my business in the future. Not because they're free, but because they run on linux :).