If you do the math, and are willing to take the chance that you aren't going to come up craps in an accident, and if your parents were long-lived, then putting that monthly insurance premium into a half-decent mutual fund will give the surviving spouse about double what a straight life insurance policy will buy you.
Life insurance is your betting the other guy you are going to die, he is betting you are going to live, you hope he wins, and you are paying for the privilege.
Jim
That pretty much sums it up. Yes, early in life I also had life insurance to protect my family and it can make perfect sense. But there comes a point where such efforts should gravitate towards retirement funding. Else there will be a major problem some time after 65.
The best approach is a schematic - ratsnest - pcb method.
I used PCBCAD21 which I got off ebay for less than =A320. It has a wide range of tools for getting the best results.
You didn't also put it there, by any chance?
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