Your only thinking about his needs into account and not other aspects that needs to be considered. Just because you get what you need does not mean thats the best option to take. He knows that life insurance does exactly what he wants but OP is asking about different options and aspects he needs to consider to provide the best value. With insurance, there are lot of things you need to consider especially the premium. Op is clearly trying to find the best value solution and not as what provides for his needs period. I dont know what he needs but one thing that clearly implied is the financial aspect or else he wouldn’t be looking for insurance with such a big payout. Your response only mimics his statement.