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@jsc2009 How much was this company trying to charge you for policies if you don't mind me asking?

@jeshurun1111 No I advised her not to waste money on a term if she's trying to leave money to that kid. Yes it's a 100k death benefit but it only lasts 30 years. Yeah they're giving her her money back at the end but if you do the math she actually ends up losing 1000 bucks. While on the other...

@jsc2009 If you died while you were paying on it then 120,000. If you died after you took the reduced paid up then they'd still be guaranteed the 103,000 that you weren't paying for. And it doesn't have to be 120,000 you can get as much coverage as you want depending on how much you're willing...

@jsc2009 So I'm actually a licensed agent. If I were you I'd invest into a bigger whole life policy and forget about the term. I say this because if you're only 22 then you'll actually make a profit off of the cash value the policy accumulates and you can usually do what is called a paid up...