William,  This is a mortality play with a lot more risk really think through the financial, legal and ethical consequences before you do this. 

I succeed because you are one of the few that always steered me in the right direction waaaaay back when I was a weee little mortal just starting out.Thanks for the words of encouragement man.

I would wait for you kids to go that route until they are older.Believe it or not, children's mortality tables are terrible, which is why they won't rate Preferred ratings.

They rely on the same mortality tables.

Note buying is good in a bad economy, but when the economy is buzzing, only crap notes filter down to us mere mortals. 

And many of them will work with clients remotely so you don't have to have someone local with 'brick and mortal' location that you can walk into.

SFDs are held individually making them subject to those "life events" commercial properties are seldom held individually, they are held in entities that are not subject such mortal events, the primary reasoning of corporate structures.

We mere mortals cannot decide which attorney to follow.

In long term, probably one of the most important factors is births and mortality rates in specific areas.

Tell you what, you continue to bash asset protection and then come after me for being ill informed "say it ain't so - the mortal wound of Jerry W coming after me" and I'll continue to research and share what I find out without appearing to solicit any specific firm.