OK, thanks for the explanation. Yeah life insurance seems marginally useful to me anyway (It costs money in expectation, but makes your risk profile better) so adding in a 30-50% chance that it’ll never pay off makes it clearly not worth it I think. To answer your question, well, it would depend on how good the returns are, but they’d have to be unusually high for me to recommend it.
OK, thanks for the explanation. Yeah life insurance seems marginally useful to me anyway (It costs money in expectation, but makes your risk profile better) so adding in a 30-50% chance that it’ll never pay off makes it clearly not worth it I think. To answer your question, well, it would depend on how good the returns are, but they’d have to be unusually high for me to recommend it.
I see. Thanks for responding.