I was just illustrating with simple back of the envelope calculations.

It sounds like when it presented itself, they did exactly what any good company would do - they did the right thing.For all of the readers on here, Mikes' story illustrates some great points.  

The passage of time, although not an element of abandonment, may illustrate a person'sintention to abandon his or her property.There is no fraud in the statements on my rental agreements.

I graduated Massachusetts College of Art, Bachelor Degree as Illustration Major, Graphic Design & Color Theory minor.Spent years packaging and selling stuff to folks who didn't need it.

These are very opposite ends of the MTR spectrum just to illustrate that it's very broad.

@Amy Arata - Let's say your unit rents for $600 a month, ($7,200 for 12 months) to help me with my illustration.  

Thanks for illustrating the rationale behind this. 

For illustrative purposes and all else being equal, cash flow over time for each scenario will be:$146 per month for 15 years = $26,280

I think the OP was just trying to illustrate this exact point that @Aaron Rowzee is making.You got to know yourself and be able to objectively gauge your own strengths and weaknesses.  

This also illustrates why a company who's cash value grows at a faster rate (i.e. an IUL) will actually have lower cost of insurance, not higher.