No One Wears a Bulletproof Vest Hoping to Get Shot

The salesman asks the young couple: "Do you know how often term life insurance policies actually pay out?" The couple looks at each other a little timidly, trying to come up with a guess when they have no idea what the answer is... “2% of the time,” he says. The couple nods in surprise at how small that number is. “Now, do you know how often whole life insurance policies pay out?” Again, a short awkward silence as they think about it. The salesman interrupts: “100% of the time”. Boom. Such a good sales tactic. So completely irrelevant.

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------- [Photo cred: U.S. Fish and Wildlife Service Northeast Region]