nice cartoon, except that this is only valid if this person does not know how else to get a return higher than FD. Actually, having a higher than FD interest rate on a 'already reduced' capital (cash value) may still result a lower than FD return on the whole plan. After all, keep paying premium will NOT increase pay out in maturity value usually. I still vote for paying just enough to keep the policy going … btw, by the time you live half your life, you are most likely to find other ways to earn higher than FD …