 Think of a teeter-totter. This is one of the best ways I've always used to explain this. Put cash on one side and death benefit on the other. And how most people use insurance is they use it as a death benefit protection tool, not as an investment tool. And here's what I mean by that. Think about it. When you went to purchase insurance, what's your focus? What's your key goal? Well, what's the least amount of money to apply, least amount of premium, that I have to pay to get the largest death benefit, right? I mean, that's how almost everyone buys life insurance.