yes - it's relatively cheap when you're youngish (i.e. kids < 20) which is when your family would need it the most. Treat the premiums as a sunk cost (you know,

yes - it's relatively cheap when you're youngish (i.e. kids < 20) which is when your family would need it the most. Treat the premiums as a sunk cost (you know, actual insurance) instead of some sort of investment or convertible policy.