 With it being a guaranteed issue, and I think with it being a benefit, they lowered the price on it so low that they didn't put enough in there to cover the insurance. Yeah, but it was just so expensive just for the insurance side. I know because she didn't do medical, but man. That's because variable life insurance is a complete ripoff. It's the payday lender of the middle class. Here she is 20 years later paying into it. I'm so sorry.