Spoken like a true insurance salesman. There are NO pros to insurance with a cash value attached. You ought to buy life insurance like you buy car insurance. How much will your family need after you are in the ground and your house is paid off. This is all I am gonna add to this. Just thinking about it makes my blood boil. Carry on.

"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