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Instead, this is life insurance that sends your grandchildren a birthday card, and a check, for the rest of their lives, potentially for decades after you are gone. Birthday insurance is a weird idea, executed in a bizarre fashion. At first, the eternal birthday gift seems charming. The more you think of it, however, the more it goes from being gimmicky to being icky, to being downright ghoulish. And that's before you look at the numbers and see that it's a bad buy to boot.
Effectively, you are using life insurance to endow a birthday card and gift check.
"There is nothing else like it out there," says Mike Struhs, president of Commemorative Life, on a video on the company's Web site, www...
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