Looking for some insurance insight

[wilas101]

So yesterday evening I'm walking out my house to go get some pizza for dinner and I run into some chick walking around the corner of the house. She asks for my wife so being the polite fellow I am I take her inside to the mrs.

Lo and behold this chicks selling supplemental insurance to cover cancer, heart and strokes. I've just let the devil into my house so now I'm stuck listening to her tell us how great her product is.

After I finally got rid of her I was left with some questions and given the diversity of folks here at the planet I thought I'd throw them out with a request for help.

1. Is anyone familiar with this company? http://www.platinumltc.com/

2. Should supplemental insurance coverages be viewed more as an investment or simply another layer of security in the event of an emergency?

3. If a company has to stoop to high pressure tactics to get a person to sign onto their insurance am I safe in believing there is a reason for that? I tend to be rather skeptical if someone is trying to push me into doing something rather than giving me time to think it out and do some comparisons.

4. Do most major insurance companies (allstate, american family, state farm, etc) normally have supplemental policies for coverage on say, cancer or strokes or heart attacks or whatever?


Mostly I'm just looking for the dirt so I can toss it out to this gal when she comes back. I want to see if she can answer or if she's going to squirm when asked questions.