Of course I am speaking in generalities, I obviously dont know you. lolAgain... you don't know what you're talking about, or my family's individual situation. Even term life can be exorbitant to some people. Sometimes what you have is what you got when you were young, and aren't eligible for anything remotely affordable beyond that. I'll leave it at that, but suffice it to say you are speaking in generalities and attempting to claim it applies to "everyone". In this instance, you are dead wrong. I didn't advise anyone on anything... I said it serves a purpose, and, in fact, it does. Just because you don't see it or believe in it doesn't make it worthless. I think I'll listen to my professional and paid financial advisers rather than "some dude" on an internet forum who tells me with no credentials or backing up his claims that they are stupid.
As you said... no need to take it personal. I haven't, neither should you. But if you want to talk in generalities, expect to get called on it.