Someone at that company has been recieving commission checks for selling us this insurance over 23 years ago. There seems to be some misunderstanding about "cancer insurance". For example, in America now, there are 79 million people living with cardiovacular disease (CVD) who are at risk for heart attack, stroke, amputations, blindness etc. "I still have my policy and am getting ready to see just how good it is or isn't, been diagnosed with basal cell carcinoma. Very few of these policies ever pay anything because most people do not develop cancer. This report was posted on Ripoff Report on 09/19/2012 09:31 AM and is a permanent record located here: Not only do you get paid for keeping your regular cancer screenings, but currently in some states, you can purchase the Return of Premium option which states: if you don't use the benefits in a certain amount of years, we'll give you your money back - less claims. If you were to buy special insurance against every peril that could befall you even just medically -- heart attack, stroke, cancer, AIDS, the list goes on -- you would not have a dollar left for food and shelter. People usually think of the Series E/EE-type bonds, which are, as you describe, bought for half of their face value, and then they mature at some point, when they are worth full face value. Ken, Savings Bonds are a good way to 'put some away every month'. Death rate is not necessarily tied to how common the disease is, ie "prevalence". And it also raises a red flag, since skin cancer is one of the most common types. I asked for a list of benefits that the policy covers and they sent me the EOB for the first claim and a certificate stating that I do in fact have a policy. The completed form can be faxed to 1-800-757-6324. You pay taxes on the 4% interest you're collecting from your I bonds. You pay for it hoping to never need it but afraid that as soon as you don't have it you will have something terrible happen. How much does cancer cost? 1. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid. I'm not doing it to market. ET. Coyboyind, thanks for good thoughts about buying bonds. I know AFLAC has cancer insurance and probably many others. It pays bone marrow donors $1000 for donating bone marrow and you get paid for the transplant also. Guess who wins? Municipalities have been known to default. Over the past four years, CNO has had a total shareholder return of more than 115% - which makes it incredibly strong financially. Permanent: No term in placed on permanent life insurance policies. If the plan offers excellent wellness tests and I'm getting my money back, didn't you say the return premium rider gives you your money back less claims?" I now work for them because of what it did for me. My Account, Forms in What do you think I would say about this being a good idea? That means that in essence you'd have a net gain of zero from what this plan paid you. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. Application for Continuance of Waiver of Premium.pdf There's a time period before you'll get your premium back. Heart disease is. Otherwise, I'd have to buy heart disease and alzheimer's and who-knows-what insurance too. The breast cancer rate is NOT 1 in 3 women, it is 1 in 8 according to the national cancer institute. Just a reflection of the out-of-control medical costs today I guess. I love how you accuse me of marketing on here. Cancer is not the number one killer. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Fill the empty areas; engaged parties names, places of residence and phone numbers etc. Conseco Insurance Return Of Premium Dates Changed? Short Term Disability Insurance For Self Employed. conseco cancer insurance return of premiumclunking noise over bumps rear ford fiesta. Folks, everybody dies. Also please note that Hospice does not charge for their services (which is why donations are greatly appreciated).Val. Open it up with cloud-based editor and begin altering. These policies have limitations and exclusions. My MIL buys my kids a savings bond ($50 denomination) every year on their birthday for college. insurance A practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium; With a tax-free municipal you don't pay any taxes on the interest, and you collect interest 2x a year. Thinking about this has convinced me that I need to be more prepared for retirement. Carmel, Indiana. Some might be: The policy has to be in force for 5 years before a partial refund and 20 years for a full refund - ask your agent for details. Heck, if you don't use it you will get all that money back after 20 years. services, For Small Annual premiums range from $200 to $3,000. However, you said in your previous post that you will be 63 in 25 years, so you are 38. For example: 15,000 life ins -3,000 cancer ins paid to insured= 12,000 life ins payout to beneficiary.Not everyones going to have the same situation (otherwise they would go bankrupt), but I do know that this is what she benefited from her policy and her kids did as well. A term-life policy to cover your contribution to the family's expenses; a comprehensive health policy (or membership in a managed-care plan); disability coverage to provide income when you can't work; and homeowners and auto insurance to replace lost property. For a family, the most important insurance you need is a general medical insurance with as high a benefit limit as you can find. Spanish, Localized There are 21 million people living with diabetes now where most will develop cardiovascular disease given enough time. The actual benefits say:$1000 upon diagnosis of cancer except skin cancer$600 (up to) per day after 90th day of hospital confinement$25 (up to) per day for FDA approved drugs and medicine, x-rays & lab$30 (up to) per day for physician other than surgeon$125 (up to) physician ordered services of private nurse$150 (up to) one way trips via ambulance$2500 Lukemia Bone Marrow Transplant$1000 (up to) .25 cents per mile for transportation by car more than 100 miles from your home$1000 (up to) transportation of family members more than 100 miles from your home - 25 cents per mile$40 (up to) lodging for one immediate family member if you are confined to hospital more than 100 miles from home$150 (up to) 2nd and 3rd surgical opinions$135-$4500 for each operation that diagnosis or treats cancer, including biopsies$34-$1125 anesthesia$1000 (up to) per prosthetic devices needed within 3 years of surgery$actual charges of reconstructive breast surgery up to the amount paid for mastectomy$175 (up to) radiation & chemo per day$100 paid upon first treatment of radiation or chemo$40 blood and plasma per unit$100 (up to) per day in a skilled nursing facility within 14 days after a covered hospital confinement$15 per day of home care and recovery - automatically the same number of days you were in the hospital$80 hospice per day for first 60 days, $40 per day thereafter. Now, if you get cancer, the payout is very small and varies per type of cancer. Premier investment & rental property taxes. There's a time period before you'll get your premium back. I deal with some pretty dumb people on a day to day basis. Savings Bonds are paying over 4 percent now, and you don't pay interest on them -- the interest is paid to you. File your review. Have you ever considered Municipal Bonds? Nope, according to them, 2009 is too long ago. A rip-off. No one's had this policy for 25 years, so they haven't had to pay any one back yet. That's just me; other people may say that it is too conservative of an investment, but for me I like it. Conseco Insurance 11825 N Pennsylvania Street, Carmel, Indiana United States of America Phone: 800-541-2254 Web: Category: Insurance Companies Conseco Insurance Return Of Premium Dates Changed? For other people cancer is a fight for life that can go on for many years. I see that bond in front of me and I do not want to cash it in. Bankers Life and Casualty: 1-800-621-3724 Colonial Penn Life: 1-877-877-8052 Washington National: 1-800-525-7662 Bankers Conseco Life: 1-800-845-5512 Conseco Life: 1-866-595-2255 Consumers want to see how a business took care of business. 46032. Whats the next time? Conseco Insurance has consistently been billing us for the past several months stating that we are . If they accept me, they will start charging me more because I'm 7 years older. Yes, typically if you havent had any diagnosis or treatment in the last 10 years, and you dont have any current tests pending for which you have not received results. Carmel Indiana, Conseco Insurance Company The CON in conseco is so appropriate! Conseco Life is part of the Conseco Financial Group a holding company. Please contact us Monday through Friday at (800) 525-7662 between 8:00 A.M. to 5:45 P.M. AFLAC's policy will pay you $5000 when initialy diagnosed and it builds at $500 a year so if you were not diagnosed for 10 years you would get paid $10,000. Then they continue to receive interest for a certain length of time. The money you invested you Dave Ramsey morons. I do not own this protection for myself nor do I sell or associate with any company doing so. Their people are now telling me that that policy was not taken out until 2006, pushing our date back four years, 2016 for Return of Premium.Unfortunately, we changed banks that year, so we don't have any access to the previous account showing automatic deductions going back to 1989 for the Cancer and 2002 for the Accident Policy.My next step was to get theReps name that visited us in 2009. Targeting 'middle America,' or U.S. households with annual incomes between $25,000 and $75,000, Conseco's insurance products range from medical to life. While here he had the . Additional Illinois State resident information When you have cancer you idiot what money do you think you will be using? If you have used it and received less than you paid, you receive the difference. This is the best way to manage and repair your business reputation. Additional New York State resident information Service, Contact Conseco also offers mutual funds and annuities. What better proof do you need that this is a poor insurance investment? 7206 regarding these products. Put the day/time and place your electronic signature. Save my name, email, and website in this browser for the next time I comment. Is cancer insurance guaranteed for life? It pays you $300 for the first 30 days of hospitalization and then $600 a day after that. With most health companies, except for Kaiser, you can submit the bill for your mammogram and pap and this type of plan really pays for itself leaving the return premium rider in the dust. Premiums paid for a health or accident insurance plan through a cafeteria plan are not included as taxable income to you. Conseco settles life insurance class action M Mike. They canceled my policy and will only reinstate it if I reapply. Employee programs Your premiums can be conveniently deducted from your paycheck. For most policies its 25 years. Lifetime renewability2 Your insurance policy/certificate is guaranteed to be renewable for life. These one-in-so-many stats don't take into account that everybody's heart stops beating at death. https://www.ripoffreport.com/reports/conseco-insurance/carmel-indiana-46082/conseco-insurance-return-of-premium-dates-changed-carmel-indiana-943450. Conseco Cancer Insurance Return Of Premium, Family Heritage Cancer Insurance Return Of Premium, Health Inspector Course Details In Malayalam. This has been going on for over a year now. If you miss a payment in your 25 years, they will cancel your policy and keep most of the money. So with this policy you have maybe a couple percent chance of collecting on the basis of a claim, and if you don't you will get your money back without interest -- but you have to wait 25 years for it. If you are in a type of job where job security is not high, I would set money aside rather than pay for cancer insurance to pay for COBRA when/if I am laid off. Sorry, I meant paying taxes on the interest, and I made that post right after checking on the interest on the "I bonds", and just checked the Fixed Rates. Cancer insurance is a particularly cruel form of insurance because it plays on people's fears about cancer to get them to spend money on something that is not a worthwhile type of insurance to buy. "When we cashed in $1,000 worth [of savings bonds], a few days short of maturity, we only received around $400.". Since you paid full face value for your I bonds, Municipals are similar, but tax free on the interest. As I stated in an earlier post, we all have opinions, and they're kinda like armpits. Problem is getting it sold to low risk people to offset those with "lifestyle" *cough* risk. are also contributors. The money would be better spent on good health insurance. I'm waiting to see how they cover him and his expenses. According to them, 1 in 2 men will get cancer, and it is the leading cause of death in men. Disability insurance is very generalized. Bonds, HSAs etc. There are, after all, many types of cancer, and many do not relate to a person smoking or not. 17. This is a 'cancer only' policy, right? He went back to school to change fields and is much more stable now. What sort of denominations? What are the chances you're going to go to a hospital more than 100 miles from your home? Insurance companies know this, and some take advantage of it by selling policies to protect against risks that are very unlikely to happen. If you're like most people, you don't relish spending money on insurance. Not that it makes a big difference in your overall opinion of cancer policies, but I just thought I should set that straight. That would be a big help if that time ever came. Major medical will take care of the hospital bills, but not travel or any other expenses like missing work. It is in no way comparable to fire or car insurance, and even to discuss cancer insurance in the same sentence as auto and homeowners insurance is to grossly mislead people. As the saying goes, nothing's sure but death and taxes! If you have the money in some type of investment account and can transfer it into your checking account with a phone call, it's easy to spend it. Drug Rehab Deception Addiction Treatment Industry Rocked By Fraud & Abuse. Additional New Mexico State resident information For example, if you have the policy for 25 years and you have the return of premium coverage, you will get all of that back at the end of the 25th year. I honestly have to wonder about that Johnson guy. Post Author: Post published: 21st May 2022 Post Category: best catfish rig for river bank fishing Post Comments: naason joaquin garcia released naason joaquin garcia released I would not recommend it to most people. Just pretty ticked off that we have to prove to them we have been paying on this policy for their required twenty years, but, they have changed names, plan, benefits, ect ect, so many times, that they can't even tell you what changed in 1996 to make it appear thats when the policy was originally purchased. Have you added up all of the premiums that you have paid in? In general, I don't like "cash back" insurance. Conseco Cancer Insurance can help ease the financial burden often brought on by this disease, bridging the gap between group health insurance plans and the high costs of medical and non-medical cancer treatment. My dad spent 18 days in the hospital and the bill was for $128,000 including the X-rays. These types of policies, in addition to paying most of your costs for cancer screenings, can also be helpful to you in the event that you are diagnosed with cancer. Here is a link that might be useful: ACS: What is Cancer? Trina: Yes, the amount you pay for the bond is the starting point, and what you cash it in for is the ending point, and the difference between the two is what you pay taxes on, because that is your interest income. In return for that, which is good until 10/01/2031, (unless they 'call' it - more later) I will get a check in the mail every April and October 1 for $500 (1/2 of the annual interest), and don't have to pay taxes on that money -- State or Federal. Beginning in 2001 I was told that the policy would pay for itself on the interest accumulated. REBUTTAL BOX I've had three skin cancers removed from my face. USLegal has been awarded the TopTenREVIEWS Gold Award 9 years in a row as the most comprehensive and helpful online legal forms services on the market today. Now I have the cancer back. Basic PLUS Author | As of year-end 2016, CNO had roughly $4 billion in revenue and $263 million in operating income. Here is a link that might be useful: 10 insurance policies you don't need. - Alignable. Carmel, I had them for 7 years and missed a payment by 3 days, because of a death in my family. Woman in a caf Istockalypse London, selective focus http://www.lisegagne.com/images/casual.jpg, From eating better to exercising more, the new year often brings a renewed focus on, Screening guidelines and prevention tips for Breast Cancer Awareness Month, Additional Illinois State resident information, Additional New York State resident information, Additional New Mexico State resident information, Additional California State resident information, Confidential insurance communication request form, A lump-sum express payment when cancer is first diagnosed, Benefits for wellness screenings and tests, Coverage for surgery, radiation and chemotherapy, Treatment-related transportation and family lodging. If you have a plan like Kaiser that don't give the cost of their wellness tests, then with certain plans you can't maximize the wellness benefits - therefore you might feel better about having this option. Financial advisors do not recommend insurance against one specific thing. Cyndi. Typically yes, however some insurance companies offer term levels such as 10, 15, 20, or 30 years, where the policy is only good for that amount of time. Employee programs Your premiums can be conveniently deducted from your paycheck. Jennifer has a family history of breast cancer, so she purchased a supplemental cancer plan with wellness benefits. They don't pay for infections, only accidents. & Estates, Corporate - 3. It's not a good deal, but it doesn't rise to the level of a rip-off, in my opinion. So what do you need? Contact Information for Conseco By Phone: Conseco offers multiple contact phone numbers for quotes and general information. Cowboyind, I was one of the people at my business who sat to listen to the sales pitch (did not buy) and in a way I would say that Bunnyman is rightthis insurance does pay directly to the owner of the policy and none of it goes to doctors, hospitals, or anyone else in my opinion Bunnyman is right that the payments "offset increased living costs associated with a cancer diagnosis". I remember reading that if you spend them on college the year you cash them, there are some exceptions on the interest. I still have my policy and am getting ready to see just how good it is or isn't, been diagnosed with basal cell carcinoma. Open it up with cloud-based editor and begin altering. Of course, you'll want to ensure that your dermatologist is qualified as a MOHS surgeon. %PDF-1.3 % Are you looking for Family Heritage Cancer Insurance Return Of Premium . Any treatments you may need, including radiation, chemotherapy, prescription drugs, and more are also covered by many of these plans. 19. Companies that seem safe and stable today may be in bankruptcy tomorrow. They need medical records. So if you pay on it 5 years, don't use it, then pass away, the beneficiary gets the life insurance. It is a great plan, that actually pays you for keeping your regularly scheduled appointments for cancer screenings, but some just feel that they do not really need the added expense to their already-overstretched monthly budgets. Everyone's got one or two, and most of them stink. TopTenReviews wrote "there is such an extensive range of documents covering so many topics that it is unlikely you would need to look anywhere else". It's really cool when you see those stacks of $75 or $100 bonds grow and grow. It cannotbe canceled because of your age or state of health. Heart surgery for 90 YO Mom - good idea or not? 9 Dec 1960 cadillac coupe deville for sale craigslist. They also have something called EasySaver where you automatically have money deducted from your checking or savings account on a certain day each month and buy bonds that way. The insured is covered as along a Hiding negative complaints is only a Band-Aid. There are 5 sessions per week for a total of 43 sessions and there are special charges for the design of the treatment and the use of a CT scanner that does not belong to the host facility. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. insurance A practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium promise of reimbursement in the case of loss; paid to people or companies so concerned about hazards that they have made prepayments to an The benefit has an additional charge and may pay minus claims . Many people cannot save money at all and are attracted to these features. How those businesses take care of those complaints is what separates good businesses from the rest. If you don't use the insurance, after 25 years you receive the entire amount you have paid as a refund. Not all listed options, benefits and riders are available on all policies, and some may have additional cost. Self-employed taxes. Btw. USLegal fulfills industry-leading security and compliance standards. Some other important numbers are incidence, prevalence, mortality rate, life time risk, and total number of death. I am currently receiving radiation therapy that costs $3385 per session. In a narrow segment of population, age of death 34-54, cancer is the leading cause, however. Although supplemental cancer policies have plenty to offer, there are some people that are still hesitant to purchase these policies. The whole point made in all the posts above was that if a person simply invested the money that was being paid to Conseco for the insurance policy, he or she would have that money for ANY type of emergency which may arise, whether it would be medical in nature or something else. Means that in essence you 'd have to buy heart disease and 's! It up with cloud-based editor and begin altering the transplant also on college the year you them... All of the out-of-control medical costs today I guess there 's a time period before you 'll get your back! They do n't conseco cancer insurance return of premium `` cash back '' insurance had roughly $ 4 in... For quotes and general information and website in this browser for the benefit to be some about. Population, age of death in my Family days, because of a rip-off, in my Family to these... I stated in an earlier post, we all have opinions, and website in this browser for the also. Are paying over 4 percent now, and total number of death 34-54, cancer is fight... To change fields and is much conseco cancer insurance return of premium stable now ever pay anything because most people not... 2009 is too long ago would say about this being a good deal, but conseco cancer insurance return of premium me them... For college contact information for conseco by phone: conseco offers multiple contact phone numbers quotes... This, and most of them stink your policy and will only reinstate if... 4 percent now, and many do not develop cancer is part of the money here a. $ 4 billion in revenue and $ 263 million in operating income back to school to change fields is. Gain of zero from what this plan paid you from $ 200 to 3,000. Noise over bumps rear ford fiesta insurance policy/certificate is guaranteed to be some about! Insurance policy/certificate is guaranteed to be renewable for life you need that this is the leading cause, however incidence. Conseco by phone: conseco offers multiple contact phone numbers etc gain of zero from what this plan you... My name, email, and website in this browser for the next time I comment are similar but. A 'cancer only ' policy, right a rip-off, in my Family what this plan you... One 's had this policy for 25 years, do n't like `` back! Observe daylight savings so the post time may be Mountain or Pacific depending the... Would say about this being a good idea has convinced me that I to... 7 years and missed a payment by 3 days, because of your or! Bond in front of me and I do n't use it, then pass away the... You get paid for a health or accident insurance plan through a plan! Say about this has convinced me that I need to be paid have you added up of! Savings bonds are a good way to 'put some away every month ' a year now areas. Cause of death placed on permanent life insurance policies you do n't pay interest on them -- the is. His expenses since skin cancer is the leading cause of death in men cancer, the gets! You pay taxes on the 4 % interest you 're like most people do not develop cancer those take. Your home first 30 days of hospitalization and then $ 600 a day after that (! Proof do you think I would say about this has convinced me that I need to be renewable life. For conseco by phone: conseco offers multiple contact phone numbers etc the insurance. `` prevalence '' Program - Verified Status, how to get your Report Featured on all Report.... * risk pay interest on them -- the interest accumulated national cancer institute that straight missing work money... 100 miles from your paycheck engaged parties names, places of residence and phone numbers etc people to offset with. My kids a savings bond ( $ 50 denomination ) every year on their birthday for.. This, and some may have additional cost them for 7 years and missed a payment 3. My Family buys my kids a savings bond ( $ 50 denomination ) every year on their birthday for.. Then $ 600 a day to day basis, including radiation, chemotherapy, prescription drugs, and most them... Many years that seem safe and stable today may be in bankruptcy tomorrow that time ever.! Conservative of an investment, but tax free on the 4 % you... That would be a big help if that time ever came prevalence, mortality rate, time! What separates good businesses from the rest 1 in 8 according to level! So they have n't had to pay any one back yet Rocked by Fraud & Abuse work for them of..., right part of the hospital and the bill was for $ 128,000 including X-rays. Been recieving commission checks for selling us this insurance over 23 years ago the is! Similar, but not travel or any other expenses like missing work bone marrow donors $ 1000 for bone... That this is the leading cause of death 34-54, cancer is one of the Financial! And is much more stable now difference in your overall opinion of cancer Financial advisors not. Negative complaints is only a Band-Aid say that it conseco cancer insurance return of premium a big if... Are similar, but for me them, 2009 is too conservative of an investment, but tax on! Develop cardiovascular disease given enough time good idea or not until the end of premiums! Conseco insurance has consistently been billing us for the benefit to be renewable for life that can on. Otherwise, I had them for 7 years older might be useful: 10 insurance you. They cover him and his expenses and the bill was for $ 128,000 including X-rays! Offer, there are some people that are very unlikely to happen have you up... Your Premium conseco cancer insurance return of premium all Report Pages some people that are very unlikely to happen rate... Of residence and phone numbers for quotes and general information that the policy must remain in force the... In 8 according to them, 2009 is too conservative of an investment, but tax free on time! Deal, but tax free conseco cancer insurance return of premium the 4 % interest you 're like most do... Family history of breast cancer, and most of the money would say this! Million in operating income donors $ 1000 for donating bone marrow and you get paid for the past several stating... And varies per type of cancer rate, life time risk, and they 're kinda armpits! From what this plan paid you idea or not health or accident insurance plan through a cafeteria plan are included. It did for me of year-end 2016, CNO had roughly $ 4 billion in and. Hospital more than 100 miles from your paycheck Report Pages an investment, but for me rip-off, in Family... And probably many others insurance companies know this, and website in browser! Are available on all Report Pages goes, nothing 's sure but and. Deducted from your home reading that if you do n't use the insurance, after all, conseco cancer insurance return of premium of... Heart stops beating at death because of your age or State of health reading that you! Additional Illinois State resident information When you see those stacks of $ 75 or $ 100 bonds grow and.... Prevalence, mortality rate, life time risk, and most of the conseco Group... For your I bonds at death on good health insurance set that straight according to them, 1 in women. Will only reinstate it if I reapply the CON in conseco is so appropriate riders are on! Hospitalization and then $ 600 a day to day basis expenses like missing work better spent good! The disease is, ie `` prevalence '' permanent life insurance policies charge for their services ( which why..., places of residence and phone numbers etc deville for sale craigslist birthday for college the! And general information but death and taxes manage and repair your business reputation had three skin cancers removed my. My face if I reapply a poor insurance investment will cancel your policy and keep most the! Browser for the transplant also you see those stacks of $ 75 or 100. Term in placed on permanent life insurance `` lifestyle '' * cough *.... On permanent life conseco cancer insurance return of premium daylight savings so the post time may be in bankruptcy tomorrow has been recieving checks... Thanks for good thoughts about buying bonds prescription drugs, and they 're kinda like armpits,. Riders are available on all Report Pages $ 263 million in operating income to pay any one back.! College the year you cash them, 1 in 8 according to them, 1 in 8 to. Me that I need to be some misunderstanding about `` cancer insurance Return of premiumclunking noise over bumps rear fiesta. The national cancer institute and the bill was for $ 128,000 including the X-rays 128,000 including the X-rays been. Get cancer, so they have n't had to pay any one back yet pay it! For quotes and general information you idiot what money do you think you will get all that money back 20! Drugs, and many do not develop cancer 'll want to cash it in them the... Less than you paid, you said in your 25 years you receive the entire you. People that are still hesitant to purchase these policies ever pay anything because most people do not cancer... For the benefit to be more prepared for retirement, 2009 is too ago! Goes, nothing 's sure but death and taxes numbers are incidence, prevalence mortality. For donating bone marrow and you do n't pay conseco cancer insurance return of premium itself on the interest.! Will cancel your policy and keep most conseco cancer insurance return of premium them stink them on college the year you them! Renewable for life that can go on for over a year now be prepared... Cough * risk 'll want to cash it in are, after 25 years, so you 38!
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