What Colonial Penn Life Insurance keeps "forgetting" to bring up....

(Or "Benefits?'  Why are you talking about 'Benefits?' Sure you're going to die, but not for a long long time! Boy are you morbid!")

"I can't get life insurance, I'm too old!"

"Not true!  With Colonial Penn Life Insurance, you can get life insurance without a physical examination, regardless of age!"

"Well, I still can't afford it."

"Not true!  With Colonial Penn Life Insurance, you can pay as little as little as ten dollars a month!"

"Well, the rates will go up as I get older, so I still can't afford it."

"Not true!  The rates are locked in for life!  And as I said, you can pay as little as ten dollars a month!"

"Well, I'm not in great health.  No one is going to sell me life insurance with my health record."

"Are you deaf?  There's no physical examination.  I seriously just said that.  Quick, sign here before you can't remember your name!"

"Ok sounds great- oh by the way, what benefits are paid when I die?"

"We'll send you a super-convenient booklet where you can list your beneficiaries and last requests to your family, absolutely free!  Sign here!"

"Um, yeah ok- but again, what benefits are paid when I die?"

"Benefits are limited for the first three years.  It's that second dotted line.  Where I'm pointing."

"Limited to what?  And after three years?  I mean, if I pay premiums..."

"Which are locked and and can NEVER go up and your policy can NEVER be cancelled!"

"Yeah....if I pay the premiums and I die in say, four years, how much do my beneficiaries get?"

"Oh look, we're out of time.  See you in the next commercial for Colonial Penn Life! Tell your friends they can't be turned down and their premiums will never increase!"