Comment by kulahan

Are you sure those numbers are right? People are paying up to $90k to get $100k? Where is this land? I need to open a business here.

In the US, you pay like $350/year (assuming you’re, like, 30-ish?) for about a half million dollar policy.

By the time you’re 60, you shouldn’t need that payout anymore. You should have enough savings to cover your funeral, plus whatever retirement plan you had anyways to care for the probably-just-one dependent at that point.

I feel like you’re imagining that you take a magic drug which cures you and you go home happy. In reality, the drug will have severe side effects in every case, making your final days worse. The chances of it working are already incredibly low. It is a significantly more brutal lottery than scratch tickets could ever hope to be.

When you have almost no time left, you focus on quality. Visit people you haven’t seen enough, do things you wanted to do, say things you meant to say. Take some pain meds to get through the worst of it. Memento mori.