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14% return relatively risk-free sounds too good to be true. What's wrong?

It's not risk free at all. With all the recent medical advances, such as AIDS treatments, etc., the sickly are not cooperating so well. They are living too long and then you will not get your "risk free" return. What if <gasp> they should miraculously recover and live to a ripe old age? You'd never collect on the policy.

Not only is it not risk free, IMHO, it's ghoulish and not Foolish.

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