I Don't Want to Lose, but I'm Taking Advantage of Insurance Companies

With whole life people are thinking about the great pay out they're going to get, regardless of the outcome. If i have this outlie or event, and i die inside of a 20 year period of time, i want my family to be taken care of. So i'm willing to hedge that best. Even though it's likely that i won't get that pay out, it's likelythat i'm paying. It's in the very unusual circumstance where i do pass away within the next 20 years, that then my family is covered. And we all like, again, as long as we're making decisions from a place of, ok, i understand how this works. I understand what