I know, but life insurance is simply about the odds of a certain person who smokes or not smokes dies.
What I'm saying is ... put it this way. Let's say someone offers you the safest job on earth and it pays 25k / yr ... and this is your best risk free job you can find. Then someone offers you a job on one of those crab boats off the alaskian coast. You do some homework and figure out that in any given season you have a 1 in 200 chance that you will die. And the guy offers you 50k / yr. You say no. Then he counters, OK 75 per year. Well, in that case you said that your life was worth more than the risk for an extra 25 k per year so it's worth at least:
25k * 200 = $5,000,000
but you'd do it for the extra 50k (given the odds of the job that you will survive 99.5% of the time) you have said that your life is worth less than $10,000,000
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