I am also an Independent Agent for Family Heritage in South Texas. I can tell you that the policies are real. I have a client who has been diagnosed with breast cancer, and Family Heritage is paying her money each week, travel, food, lodging, and for her treatments. A wonderful company with great ratings, helping families who need it. If you get the cancercare or some other policy, it does have a return of premium at 25 yrs or 65 yrs of age, whichever comes first. At 65 you'r policy that you pay each month will pay to a beneficiary, spouse in the event of your death. So I can honesty say it works, and it's a need for families. Especially now that 3 out of 4 families are diagnosed each year with cancer. Are yopu prepared for that fight. I hope you honestly believe that your top knotch insurance, even V.A. will pay 100% of it, and you have no outstanding debt from Cancer, or some other condition. In any case, if you feel you don't have enough, Get Family heritage, and stop complaining !