Do you have to give them the finger?I didn't read most of the thread but the first thing I'd do is get rid the the AIL. The ones I run into are mostly whole life. I replaced two last week. In both cases I was able to double the coverage for the same payment. They are some of the most expensive policies I have ever seen.
But on the other hand, if your short on cash, they will pay $1,500 if you cut off your middle finger.