Originally Posted by daytona
I can invest my money into other items that will generate more returns that what the insurance companies usually provides.
You can invest is ANY available funds with the insurance company - at least I can.
BTW: You should check what it will cost you in 20 years, when you likely will be married and have kids to get the term renewed. It will be a HECK of a lot more... And the number he tells you now will be more expensive 20 years from now (inflation, etc)