| Advocacy is defined in the dictionary as | | | | advocacy. Maybe Minnesota Life's rates are high |
| "supporting or promoting the interests of another". | | | | because they have to pay the AOPA to steer |
| There are several "advocacy" groups that | | | | business their way. |
| promote life insurance to their members or to the | | | | And last but not least, our beloved AARP (being |
| group of people who they would suggest they | | | | old enough to be a member myself). Claiming to |
| are advocates on behalf of. | | | | be an advocate for us elderly folks, and truly not |
| There are two groups of advocacy organizations | | | | doing it is, well, WRONG!!!!!!!!!! AARP pushes a New |
| that I believe need to rethink their approach to | | | | York Life term product that is overpriced to start |
| life insurance. There are the organizations that do | | | | with; the price goes up every 5 years, and after |
| a poor, or even misleading job of recommending | | | | age 80 it goes away. "One that supports or |
| a life insurance carrier. Then there are those | | | | promotes the interests of another?" How can |
| organizations that purport to be advocates for | | | | they recommend a product for us old folks that |
| people who are, due to their health problems, in | | | | disappears at age 80? Now I do not know if |
| special need of guidance and are not providing | | | | AARP gets a kickback from New York Life, but I |
| anything. | | | | do know that they do not allow any other life |
| I have a particular problem with three advocacy | | | | insurance advertising in their periodicals or on their |
| groups that you would suspect would offer the | | | | website. |
| best possible life insurance products to their | | | | The second group of advocacy organizations that |
| members or audience, when in fact they offer | | | | I believe are missing a perfect opportunity to be |
| downright bad deals and try to gloss it over by | | | | of service are those organizations that offer |
| appearing to be your "friend". | | | | information, education and guidance to people with |
| Let's talk about Gerber. They may be good at | | | | specific health issues. Just to name a few, |
| baby food but I can tell you that the juvenile life | | | | advocacy groups who don't offer any life |
| insurance, or children's life insurance they offer, is | | | | insurance information or guidance at all, the |
| far from a good deal. They offer a guaranteed | | | | American Diabetes Association, the American |
| issue product, but from a price and benefit | | | | Heart Association, Breast Cancer.org, the Prostate |
| standpoint it pales in comparison to what can be | | | | Cancer Foundation, and the American Obesity |
| found through an independent life insurance agent. | | | | Association. |
| Cute baby on the jar! Lousy advice on life | | | | These organizations purport to be advocates for |
| insurance! | | | | probably 100 million people yet not one of them |
| And there's the AOPA. For you non-pilots, the | | | | offers any advice, counsel or referrals for these |
| AOPA stands for the Aircraft Owners and Pilots | | | | people to get affordable life insurance. This is a |
| Association. Go to their website, and you will see | | | | tremendous challenge for anyone that would need |
| how they purport to be advocates for private | | | | the help of any of these associations or |
| pilots in just about every area, including life | | | | organizations. |
| insurance. Their recommended company is | | | | You want an advocate? Someone who really |
| Minnesota Life. There are so many companies out | | | | provides what the definition suggests? Get your |
| there that can beat Minnesota Life for aviation | | | | insurance quotes for your term insurance, |
| covered life insurance, that if you were not | | | | universal life insurance or whole life insurance from |
| depending on them to be your advocate, it would | | | | an independent life insurance agent. Get unbiased |
| be laughable. If you search under life insurance on | | | | advice from an agent that is not an advocate for |
| their website you will actually find where they | | | | a specific insurance company or an organization, |
| admit that they get a kick back from Minnesota | | | | but to you. |
| Life. They use the money to enhance their | | | | |