The worse commercial on television even worse than all those Lawyer commercials "We found a new loop hole or a new precedent and we'll get money for you" Yes they do get worse I say it has to got be "The Garden State Life Insurance" Commercial.
Not because its irritating and plays several times an hour, but because they strike to take money from people who could really use it for better things. They say you know you need it to protect your love ones. They say the average funeral costs almost five thousand dollars. They say economic advisors suggest five times your annual income up to a million dollars coverage..

I ask How does life insurance protect your loved ones? Your loved ones need you not a pile of money...Life insurance is gambling, and the stupidest gamble of all because you want the house to win. The only way for you to win is to die. Have you ever heard of a life insurance company going broke? No because most policies are canceled before you ever collect. If an average funeral costs five thousand dollars than obviously you can get one cheaper... I have heard of people spending $50,000 dollars on a funeral. What do you think Lady Di's or Michael Kennedy's cost? I'm sure they both pushed that average up... What about five times your income? If you get a better job you need more insurance? If you keep your expenses in check you should need less because now you can save money... What does income have to do with how much your loved ones need after you die? By indexing coverage to income they guarantee themselves a fixed share of your income, like a tithe with out the church... How come they only cover you up to age 75? Because the odds fall in your favor after that. If you make it to seventy five chances are you'll die soon, at least sooner than the twenty five year old suckers paying hundreds of dollar a year to protect their loved ones...

But what if you really are worried about your loved ones? Take a second job for a couple months set aside all the money you earn and place it in a standard savings account. Add the money each month you would have spent on life insurance (to get the coverage, you feel you need). Set back and watch how much faster it grows than cash value or term life... Die in peace.. the end