Monday, January 15, 2007

Grow Up

No commercial gets my hackles up like the Gerber "Grow Up" Plan. All the talk in the commercial is about protecting your baby's future, but all they are selling is a life insurance policy for your child. Do you know who my life insurance policy doesn't protect? Me, that's who.

Okay, pop quiz: Does the policy pay off if the child does or doesn't grow up?

If some universal rule had been discovered ("Murphy's Law"?) that made some event less likely the more you plan for it, then this policy would indeed be a way to increase the survivability of your child. As it is, it's pretty much just funeral insurance.

(In their defense, they have recently added a section to the commercial that explains that they are selling life insurance, but the focus of the commercial remains on protecting your child for the future.)

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