Originally Posted by e6bpilot

Also a good point and very true.

My perspective is that if I haven't saved enough money by then to support my wife through her golden years then I have failed. I know, I know, this is a turbulent industry and I am playing with fire, but I would rather put that 225 into a 401K and watch it grow. I am not going to do SBP and term life because it would be a foolish use of my money that I could be saving for retirement. I have to choose one or the other and I am going to stick with term life. It is a 30 year term, which carries me out to 71. That should be long after I quit flying and I plan on squirreling away my pennies, especially after the kids are grown and gone, which also should coincide with my prime earning years.