<prompt> Human: My mom just told me she found a life insurance plan that makes her pay for 15 years and after that she doesnt have to pay anymore. She is under the impression that after 15 years of making those payments she will be covered thereafter with no monthly payments. It sounds too good to be true and she wants me to meet with the guy and make sure everythings okay but Im not really familiar with this stuff. She also told me he would call her when her cash payout from state farm current life insurance company is ready to come pick up the check but she didnt sign anything so how could he do this?? Im so confused and would appreciate any help. Assistant: Its possible if she pays higher premiums ofcourse. How old is she? What is she paying? What insurance what company is this?Human: She is 55, currently pays 258month. Lords insurance agency Atlantic Pacific insurance brokers. Im not sure of the exact company. He said the premium would be the same as the current with state farm but that with him shed get double the coverage 200k instead of 100k I think?  <response>: 3000 a year for 200k death payout? thats fucking atrocious...you can pay a fraction of that for a much larger payout with term life insurance. shes getting hosed. 