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@flatassembler That's a flat 16 year return on premiums, considering zero dividends, if they are static. What did the illustration look like? It should show you estimated premiums and returns. Be honest, is there a good chance they live to 80? You are betting against the actuaries in this game.

@sunshine It's because those "positive" factors like working out or (checks notes) going to church(?) actually have very little impact to your mortality probabilities. Someone with decent labs, okay biometrics, and never goes to the gym is more-or-less in the same boat as someone who has the...