Terasem seems to be going that way. As far as CI goes, it might be true that they "seem" more affordable BUT .... have you read CPlatt on the funding gap... and how his formula works... ? CI is in the same bind. You have to take your life expectency into account... and gear the life insurance payout for that year... CI's promotion of 28K for a 50 year old now isn't going to work in 50 years... if you assume 100 year lifespan. Follow? Agree? Have you read Platt.