This wont answer your question, nor help most of the old farts on here. Buy it when you are young and healthy.
And insist on a "guaranteed purchase option" I had a $15,000 policy in the early 80's when I was diagnosed with kidney failure. Since I couldn't buy more, I took the option everytime I could. On certain birthdays, and I could also buy more upon the birth of a child.
I was surprised a few years ago when I added up the cash value of all of the familys policies and it was a little over $50,000.
If I had taken the premiums and invested in a good mutual fund I could have maybe gotten a better rate of return, but wouldn't have had the protection for my family.
If you cash your in and pay up some bills and pre plan a funeral, you are getting the peace of mind that those tasks are done. The credit life will leave your wife with a house.
See if you can shop for some term.
My dad had about $40,000 when he died. It paid off what he owed on the farm and his house was paid for, but my mom sold the house and moved to an apartment. She basically used the proceeds of the house to live on.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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