I passed the almost 2 hrs extensive physical and Psychological test[dementia] and received the policy, which gives the benefit of life insurance in case if I go to heaven suddenly, $250k, if I lie down[sick] and nonproduce $$$, the policy gives the check of $5.000 per monthly[2%of the face amt] after 3 month elimination period that covered by medacare till $250k is used[ about 4 years], but young people own this policy is chip and healthy,[200dollars/m for 500k and get paid 10k/month if sick] put the $$$ under insurance is that not tax during growth, tax difer, but one can withdraw in case of need $$$$, no pay tax on, because of loan against policy, just like loan $$$ when you buy house, no tax paid the loan amt. I believe this is the best way to plan the your later life, if you can pass physical like me.I pay for this policy $1,660/month. 25 years old healthy young guys may pay for 500k, 200./ month. I like to tell your guys if you are not healthy, but you have lg amt.$$$, you can open the account gives return of 10%, so you can use for living, and if any left in the account and you went heaven, your family get the balance, is not insurance. Use your brain wise way guys, not cut other people down because you fill insecure.