I got my own St. Peter Memorial Life Plan Inc. for myself last year after my lola died. I fully paid it because there’s a 10 percent discount instead of going on an installment. Of course, I pray to have a long life & more adventures. I am very open and I am thinking of the positive side of it because I only think of it as an investment that could be use in case of emergency. Plus, it is transferable & assignable so I think there is nothing wrong in getting this. Just don’t think negative. 🙏😊