Dying to win?

I'm a big fan of life insurance (of course), primarily as a particularly effective risk management tool. As agents, we're often asked which is "better:" term or permanent. While there's really no "one size fits all" answer to that, my colleague Bill M graciously forwarded this email that he received from a client:

"I want to look at whole life and term. If I am going to spend the money. I might as well get something for it. Otherwise it is just a monthly lottery ticket that you may die this month."

Sometimes it takes our clients to most effectively articulate basic truths.