How to Get $31,000 Back From Term Insurance

With term insurance, the insurance company doesn't expect to pay you because very few people die with a term insurance policy. It's just good for the term that you don't have any money in case something were to happen to you. Nobody's going to pay you $350,000 as a death benefit if they haven't made at least $300,000 $400,000 above that. So stop it. Stop doing something that never made sense.