Yup, term is alot cheaper than whole ins. There was an agent here the other night. 4yr term for $100K was about $50/month but in 4yrs it goes to $65 then next 4yrs $85. That's what they have listed now but no guarantees when the time comes to re-up. Plus, like I said, I think it's only accidental.

Whole life is $175/month for $100K but it never goes up after you get it. 30 yrs later I paid in $63K and it's worth $100K.

Thing is that's a lot of dough to put away that I'm never going to see an advantage from. Kid's are grown. They can make their own money. My parents are in their 80s and my grandparents were as well so presumably I could be paying on this for 30+ more years. Wife said it would be nice to have more than a couple of years worth of wages from ins payoff. I told her she was still a good looking woman and I didn't think it would take her that long to find a sugar daddy. Hey, I thought it was a compliment.

I would definitely sign up for the disability rider too. That's about the only thing that makes sense to me.