Would you accept a $5,000,00 risk for $2,350?
Probability doesn’t matter. You cannot be 90% alive. You have to insure as if you could be 100% dead.
Advisors do a better job when you know what you are doing and participate.
Life insurance is the cheapest way to put cash into your estate
If they relay on an regular small donations, charities will fail
Buying life insurance from a bank is not smarter than buying hamburgers from a car dealer.
There are more risks for children than society addresses
Biases that saved time and money when they were learned become obsolete and then cost.
There are many ways to be insurance poor.
Adult decision time
Playing financial Russian roulette is a losing game
Maybe you don’t need any life insurance. You could prove it if you tried.