If they are your "firm" no, you would not buy what was being recommended.. You won't need insurance at a certain point in life? How do you know? Do you know your investment strategy si going to work? And, if it does,and you are wealthy beyond your wildest dreams, you won't need any insurance to protect your wealth from the tax man? And, if it doesn't work and you won't need any insurance to keep your family from being burdened with your final expenses..Agents sell insurance everyday at very high prices due to people's age and health that find they do need coverage at a time in their life when they were certain they would not.Someone attacked me and with the frame of mind I am in, just flew off the handle. I don't need coverage after term runs out. To that, his "objection" was that I would need retirement income. "Objection" get it? that's how you get trained, don't you? They are not our "objections". They are our firm "No".