I am not sure this is any more of a "rip-off" than, say, Mass Cards, but read very carefully. Despite all the insurance type of language, what you are getting is people praying for you. Its a very slick marketing promo they send out, but no $ is involved in the event something happens to you. I am not saying that praying does not help, but this organization's promo & marketing is somewhat vague at points about it not being "traditional" insurance. They disclose what they have to, but you must read with care!
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