I don't think there is any disagreement.
As I outlined above, your situation is as follows:
a) insured intends to carry out coverage to policy's end;
b) insured values convenience of lump sum payment.
There is low probability of mid-term cancellation so proration isn't even an issue.
But what about opportunity cost? This is the only thing left that you haven't addressed.
Quote:
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send in payment coupons every month (don't forget the stamps)
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You still mail in payments? It's cheaper and faster to do automated payments.