50/79.80 insurance.

[orchard101]

I hope this is an OK board for this, couldn't find anywhere else.

There is, at present, an advert for the above insurance which states that the insured (or rather their dependents) get the amount chosen or, if they have lived longer and paid in more, the total paid.

Now I appreciate that they will have money to invest etc, but, what if their clients have a sudden surge in deaths before they have paid up to their chosen cover? Surely there will eventually be a shortfall..

I may be not seeing the wood for the trees, but I cannot see how this would be sustainable in the long run.

Anyone got any facts on this?