[DoubleF]

Thanks Phanuthier. I've read many of these articles already though and I still have not quite the right idea in my head (yet) that seems to answer the question of what is what.

I've read the "benefits" of PLI (WL/UL) vs TI stuff before, but some others I have chatted to have said it's a lot of sham as the ability to use some of the PLI (WL/UL) is highly restricted (not sure if true). I did catch the "change in health situation" part which I guess sorta is great for me? I had amazing health when I first applied for insurance, but I do know that I am probably at risk of a plethora of complete random issues once 50 rolls over (none of my relatives or grandparents seem to be consistent something... except maybe high risk breast cancer? but I don't have breasts). Death via diabetes, heart disease and cancers still have a reasonable dice roll.

I'll be receiving TI for free when I get married in a few months (SO's benefits package), not that it would change my decision with what I have now.


In a nutshell, I can't really figure a clear line between the two at this point. It always feels like a rent vs buy home debate and a reasonable rule of thumb is that short term rent, long term buy. I wonder if this is the case too, or if it's overwhelming TI all the way sort of sentiment because it's just ridiculously marked up due to labeling or something.

@Slava: Yeah, that's pretty much how it was presented to me. I think I remember it being sold to me in a similar way but also because I was young and very healthy. (Dunno, it was years ago, memory already sucks. ha ha)