Of course, I see. The distinction I draw, sir, is this. Say I pay $1,000 a year for an $800,000 policy. In other words, I will probably never see that $1,000 a year. The reason I'll never see it is that I am a 43-year-old who is unlikely to perish. An actuary has done the math and said that this is where it's going to go. Now, never seeing that $1,000 again on a term life insurance, I think we can all agree, is substantially different from paying 50% of your pension into something for your spouse and you never see it again if your spouse dies first.
Am I being clear, first of all, on this?