I think those life insurance salesmen are doing it ALL wrong. By agreeing to pay X number of dollars to my surviving family, its like I am signing my own death warrant!
"Hey hon, I signed a paper today that will give you six million when I die...Why do you have that gun? You need to put down that - STOP! no! please..."
I think that instead of a life insurance quote for money, the sales man should be quoting me years to live.
For example. I would be willing to pay a company a monthly sum to ensure I live for the next eighty three years, nine days and six minutes.
But the one trying to sell me just twenty years? No way!
Who's with me?
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