The true metric would depend on whether or not you use it. You spend 30 years here, never use it, and lose the opportunity cost of investing 30K over that said time frame. Or, you’re habitually sidelined from drinking the water in the bathroom in SDQ. We all know people that constantly turn in insurance claims while the rest of us pay premiums and never do. The entire gist of my argument is that it’s overpriced given what other white collar professions pay coupled with the fact it can’t be obtain from a third party. It’s a moot point in the big scheme of things so I’m done arguing the point. I never got the unbiased info I needed to actually compute the true cost. I never said it had no value. I said I’m trying to find out exactly what the value is.

It’s like the mortgage docs; nobody reads them so they can’t tell you exactly what’s in there. Does anyone know the exclusions? What if I break my arm skydiving? Covered under STD? I recently found out a term life policy I’ve had for ten years excludes general aviation. Oops. It’s easy to click “take my money” and not know what’s actually in the verbiage. I acknowledge, I’m too analytical. I give up!