Phycians Mutual "Innovative F"

Looking at Physcians Mutual Innovative F. Which is a High Ded F sold for around $150.00/yr for 3 years and then turns into a normal F. It's an issue age policy where the premiums arent supposed to go up much over the life of the policy due to issue age.

Seems like a pretty big pill to swallow to overpay $100 a month for something for 3 years just so the premium "wont" rise.

Any experience with PM or this innovative thing, sounds like the only innovative thing is an insurance company justifying an expensive insurance policy.
Source of insurance-forums.net

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