Ya, if it was straight up insurance it wouldn't have made sense. The (theoretical) benefit was from some sort of tax thing that I honestly don't understand. So

Ya, if it was straight up insurance it wouldn't have made sense. The (theoretical) benefit was from some sort of tax thing that I honestly don't understand. Something about borrowing the money to pay the premiums now (so you pay less taxes now) and then ?somehow? not just having to pay the taxes later when the insurance got paid. Or something like that?