If you're young it's really really cheap. It's something you buy if you dying would leave a loved one in a financial crisis. It's not something you buy so that if you die your loved one can lay on the couch for 30 years.

My wife and I are both insured for plenty, for middle income types, for far less than a cable television bill. Well, I think it's less, I don't waste money on cable.

If you're older it might not be so cheap, I don't know. And whole life is more expensive since you're actually going to get that money. With term you're just hedging your bets against early death.

I don't sell insurance by the way.