if you have insurance capacity uh you can let other people use that insurance capacity well that's when I had a conversation with my adult children when I was about 55 years old hey kids I have insurance capacity I'm not using I want you to all celebrate when I die I want you to all become automatic millionaires but I'm not going to pay for it you are now I could have but so back then and they could put in as little as 500 bucks a month they can put in more than that a th000 a month or whatever but at 500 a month they got a million dollar policy on me and I said let's do the math 500 bucks a month would have to earn 99.4% interest compounded annually for 30 years before it would grow to a million doll in a Roth if they put 500 a month into a million dollar policy on me they're going to be a millionaire taxfree anytime I die