I spoke to my financial adviser and he thinks the best option would be to reduce the inflation factor from 5% to 3.4%. The other options offered by Hancock were to reduce the daily benefit or to extend the elimination period. Then I called Hancock and they said if I reduced the inflation there would be no increase in the premium. So I think that's what I'm going to do. Of course I know there will be another premium increase in the future but I'll worry about that when I come to it.
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. . .there is nothing better for people than to be happy and to enjoy themselves, and also that everyone should eat and drink, and find enjoyment in all his toil. . .
Ecclesiasites 3:12
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