Mike,

FWIW, my father in law is a pretty successful financial manager, he laid out what it would cost for me to buy anything inflation adjusted that would provide the same payout. It was a lot more than SBP. And didn't take into account the pilot part of the puzzle. I told you I'm a pretty conservative guy financially, to me this was the conservative move. Doesn't mean it was smart, but it a piece of what lets me sleep at night.

For the guys with term, it's been a while since I've looked so I appreciate the tips. I need to set more up, currently all I have is through AAMAA. When I looked in the past, everything had declining payouts based on age. I.e. they might cover me till 70 at a constant monthly rate, but the payout wasn't very much. I think they starting dropping when I hit my 50s.

Gr8vu, are you saying if you kick at 75 it'll pay out full $800k?

E6--for the record, it's 55% of your 50, but I take your point.