--< GROUPNOT.BST >--                     (Distributed with `Ali')



           G * * * * * * * * * * * * * * * * * * * * G
           *                                         *
           R          Group  Life  Insurance         R
           *                                         *
           O               I S    N O T              O
           *                                         *
           U        Best  Term  Your  Can  Get       U
           *                                         *
           P * * * * * * * * * * * * * * * * * * * * P



+---------------------------------------+------------------------------------+
|                                       |                                    |
|             GROUP  PLAN               |      BEST  INDIVIDUAL  TERM        |
|                                       |                                    |
+---------------------------------------+------------------------------------+
|                                       |                                    |
| [ ] Contingent on employer's          | [V] A straight two-party contract. |
|     contract with insurance company.  |     No third party.                |
|                                       |                                    |
| [ ] Contingent on employment status.  | [V] Independent of employment      |
|                                       |     status.                        |
|                                       |                                    |
| [ ] Continued insurability is not     | [V] Life-time insurability is      |
|     guaranteed.                       |     guaranteed.                    |
|                                       |                                    |
| [ ] Policy protection, insurer's      | [V] Policy protection, insurer's   |
|     obligation, limited to one to     |     obligation, is not arbitrarily |
|     two times annual salary.          |     restricted.                    |
|                                       |                                    |
| [V] Current premium is often cheaper. | [V] Current premium is higher, but |
|     (Subsidized by employer)          |     still very competitive.        |
|                                       |                                    |
| [ ] Premium goes up in later years.   | [V] Premium stays level over 20    |
|     (Normally every five years)       |     years.                         |
|                                       |                                    |
| [ ] Future rates are not capped.      | [V] Future rates are capped.       |
|                                       |                                    |
+---------------------------------------+------------------------------------+


 * Any group plan not from work always dictates more restrictions and is
   always more expensive.    Stay away.   Nobody is required to buy it.

 * In one 'membership' group term insurance, the protection amount starts
   to decrease exponentially after age 60.   It is one of the worst value.

 * Life insurances advertised on TV are often the most expensive.  Even
   those claimed to be group term.


Copyright (C) 1991 Wintech Enterprise.
All Rights Reserved.