If you want to buy into the game at this point you really should paypal someone with the game the money and let them buy it and gift it back to you. 1) it will be 5-10 dollars cheaper and 2) you will get Life Time Insurance instead of the 6 months they are selling now.

Or you can buy it in game and gift it to someone with LTI and they can break the package down to credits and then use those credits to buy the package with LTI and gift it back to you. There is like a 24hr waiting period using this method since you cant break a purchase down once you buy it right away. You have to wait x number of days/hours (I think it is 24hr).