I don’t expect there to be a way to cheat statistics: if the life policies all have the same payout, they most likely all have the same expected cost when you take into account interest rates. The insurance company wants to make money (in expectation), after all.
Fixed rate life policies are available, but they tend to cost a bit more.
I don’t expect there to be a way to cheat statistics: if the life policies all have the same payout, they most likely all have the same expected cost when you take into account interest rates. The insurance company wants to make money (in expectation), after all.