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Mike & Jax,
okay, you two guys have been kibitzing for long enough. I think this would be a valuable and intersteng discussion if only the discussion would start to go somewhere. So, why don't we look at an example--mine.
I am a 31 year old male, non-smoker, best of health, etc..ie. very best rates. I recently bought an insurance policy with a death benefit of $350,000. The agent showed me both term and cash value options. I won't say which one I chose.
Now, both Mike and Jax, please discuss, using real numbers, the pros and cons of either cash value or BTID. Use whatever companies you write for to give your examples. I think the readers on this board will greatly appreciate both of your responses.
Let the games begin.