Term life, I really think its a great option, you never know when shit can happen.
I used to work for a financial adviser, one client, he passed away and left his wife 3 mil, which he bought after his dad passed away leaving him with close to a mil if I remember correctly. Now the wife set up a life policy for their daughter of 10 mil.
Crazy.
¿If a fat guy falls in the woods and there is no one around to see it, do the trees laugh?