We have worked extremely hard to crate train him well and keep this up all the time by placing him
in his crate
at random
points throughout the
day when we're
in the house, or when we're having dinner
etc so he is quite good
at being alone now.
Personally, I'd rather keep the life insurance, use the cash values to supplement my investments and / or use the cash value to pay my income
in the years the stock market goes down (like 2001, 2008,
etc) so that I don't end up worse off than when I began because
at the end of the
day that account can't lose its value, I can't be sued for the value of it, I don't need to report it on my son's FAFSA form for college, AND if I pull money out of it for my son's school, the dividend still pays the same amount as if I hadn't drawn the money out
in the first place (fun fact: that last
point isn't something that a northwestern policy does, but new york life and massmutual's contracts do).