No, stupid. I know math, insurance, and term life policies. Maybe you should grow up and learn a little.
Then you know that term insurance is an expense, not an “investment”. Only a fool thinks of it that way.
Of course, on average, insurance pays out more than it got in premiums.
That’s as simple an equation as one needs to know.
I worked in insurance for nearly two decades. The overhead the companies have eats up over 35% of your premiums, on average. No purchaser will ever get that benefit back.
That is, “insurance pays out LESS…”
Crud.