And if you had sold him a term policy and invested the difference he would have still had that insurance. I see no sense in buying any insurance that has a cash value attached to it.

"In time of war, send me all the Alabamians you can get, but in time of peace, for Lord's sake, send them to somebody else." General Edward H. Plummer

"Blessed are those who, in the face of death, think only about the front sight." Jeff Cooper