Term life is only a waste when it does not help you, and those you care about, sleep better at night. The purpose of insurance is to spread financial risk out to others beyond yourself. This risk is spread out to insurance companies, and the premium paying customers.

A small permanent policy to cover some things like funeral costs is fine, especially when bought at a young age. The cash value of these policies has been overly promoted as something it is not. If you ever want to have a call, feel free to reach out. I left that industry, but still share the unfiltered, unbiased knowledge. Check out deltacharlie.tech