I need someone to explain it to me like i'm 3. I just listened to the podcast and went through this thread. I'm scratching my head a little. Aside from the Delta provided life benefit, plus two separate term life policies my wife and I both have, all in it's in the millions of dollars, why do I need this? Lets say you have two pilots, both retired, now age 67. One opted in 25 years ago, the other didn't. Whats the tangible difference of these two peoples situations all things being equal? One boat vs. two boats?