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Keep your hobbies to yourself. The insurance company always wins. Buy term and insure your life while you have obligations to your kids, mortgage, your wife. When you are in your 50's you should be self insured...home paid for, kids gone, money in the bank and downsizing. Oh yes, you can't start this process in your 40's it has to be a lifelong ordeal. LIVE WITHIN YOUR MEANS!! Don't keep up with
the Jones's be your own person. You can be the exception not the rule....Buy term and invest the difference is not just a catchy phrase, it works...ask me...
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