Term insurance has always been a product that is for someone who needs life insurance. There is no cash value build up like in a whole life policy.

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It's mostly for people with nontraditional living arrangements. There will be some benefits for some people but unhappiness for others. We have several clients that it's going to have an impact on, and it's not going to be favorable for them.

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If you're not disciplined don't do it. Cut 'em up, melt 'em, put them in the oven, let it go to 400-degrees and watch 'em go. Man that's fun to do. Just don't use them if you're not disciplined.

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