What's funny is that you stand (sit?) there and complain about your high life premium, while you are probably paying one of the lowest rates for car insurance.

What if tommorow you got mail from your auto insurance. They are going to 'average the risk' so instead of you paying based on the risk group you are in, we are going to determine the risk for all. So, you will be paying the same insurance as a 16 year old male driving a Ferarri when you are a 50 year old male (who has almost the lowest rate) who drives a Ford Tarus. So, please pay us double on your next payment so we can cut all the teenagers driving Ferarri's in half! It's only 'FAIR'!

Also, the idea of term insurance is that you buy it when you are young and have alot of health but little money. This gives you a chance to be protected while you build up your assets and means so when you are 50 and the term expires you wont need the life insurance. Weren't you able to pay off your mortage and save a few hundred thousand during the insurance term?

Hey, I don't like ins companies either, but the bottom line is, you pay based on your risk. A 16 yo teen with a fast car has a higher risk of getting into an accedent than a 35 yo with a family sedan. A 25 yo healthy man pays less for life ins than a 60 yo smoker.

BOb