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While I am sure there are abuses in the "we'll buy your life insurance policy" business, such businesses were literal lifelines for people with AIDS who did not know how they could afford to live until they died. It was a huge benefit to such folks to have cash in hand to pay for medications, treatments, and even the roof over their heads and the food in their mouths. My brother did not have a life insurance policy. He chose not to take his medications so that he'd die faster, rather than depend on my dad and me to support him. I'd have had my brother a lot longer had he been able to sell his policy. I do not agree w/ you on the "ethics" of this approach!