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? So what I want to think about is the probability of Sal's death in 20 years, based on what the people at the insurance company are telling me. Or at least, what's the maximum probability of my death in order for them to make money? And the way to think about it, or one way to think about it, kind of a back of the envelope way, is to think about what's the total premiums they're getting over the life of this policy, divided by how much they're insuring me for.