What the hell is it with old people? They pay health and life insurance premiums for years and years. Then just before they are needed or can be cashed in they stop paying the premium and there is nothing there! Sure is frustrating. We need to find a way to keep the premiums being pad so the damn companies stop making all the money without having to pay out in the end! Make um PAY! The underclass pays and pays out of the little that they have and the upper class takes advantage of them right through death. THIS HAS GOT TO STOP!