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[Music] natalie is with us in baltimore hi natalie how are you hi dave how are you better than i deserve whats up um well i was just tuning in to your show not too long ago and you were speaking about life insurance and how a whole life has absolute junk i never understood how or why that is necessary or true um okay i believed i believed that whole life was better and i started out seeking whole life and so i ended up buying a policy for each of my three kids and i have a universal policy for my mom and um the policies i have for my three kids um one is its called a whole attempt where you pay it for 10 years and its paid up and so i did that with my oldest daughter and she has a policy its only 15 or 20 000 for her yeah yeah its a standard standard policy the reason you believe this is what you its what youve been sold okay but lets walk lets walk through it for a minute okay theres two kinds of insurance as you mentioned theres cash value insurance and theres term insura