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.
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.