And at any point you die, you get the $1 million. In a term life, I'm only going to pay $500 per year for the next 20 years. If at any point over those 20 years I die, my family gets $1 million. At the 21st year, I have to get a new policy. And since I'm going to be older and I'd have a higher chance of dying at that point, then it's probably going to be more expensive for me to get insurance. But I really am just worried about the next 20 years. But what I want to do in this video is think about, given these numbers that have been quoted to me by the insurance company, what do they think that my odds of dying are over the next 20 years?