90% of term life insurance expires without filing any claims. Life insurance is not an investment. You already made plans to cover your funeral. The insurer keeps the savings portion. Projections the insurance salesman uses are not reality.
Many cash value type policies lose money for many years. Participating policies are rebates of overpayments. Confusing,
complex, non guaranteed and poor rates of return. Life insurance is not for creating an estate. If you have Estate plans in place. Shop Around.