 the $20,000 is going to keep coming at you. The insurance company will dip into their pocket and keep paying you, and if you're married, your spouse. This vehicle offers the potential for pay raises. Let's say, for example, you're getting $20,000 in year one, just like the other example, but there's a 10% gain. The next year, you'll get a 10% pay raise. Now your income goes from $20,000 to $22,000. That income will continue to inflate over time. It can be quite substantial.