Remember, we are not judging the product. We are looking for the lie, untruth or half-truth in the presentation of the product. He is honest and forthright and earnestly wants you to prepare yourself financially to die. I agree that every one needs some form of Death Insurance, but then comes the clanger or warping of the Truth. My Grandson nailed him and won three red jellybeans.
Insurance is bought with after tax dollars and is a form of lottery.
Since you are, in effect, buying a lottery ticket with after tax dollars, you are only going to avoid paying tax twice. Do not smile yet. Depending on the total Estate value, there may be a visit from the Tax masters in Ottawa to your beneficiaries. Please note that you cannot buy Death Insurance in Quebec or New Brunswick. Here's a tricky one.