Later in the year I will be doing this again to find a pure rental.

If it is a pure rental property, having 2 renters  gives you a little assurance that if one side of the unit is empty, you can still earn income off the other side to help cover your expenses.  

That would pay for the units in about a year and everything after that is pure profit.

Maybe that isn't the ideal business decision from a pure dollars and cents standpoint, but it is never bad to be kind.

My comments are purely based on what was posted as to technique, methods of dealings, and obvious intentions as stated.

Are the making up for the low conversion strategy by pure volume of cold calls that they make each week?

So, with every premium dollar you pay during your life, the insurer sets a significant portion of that aside (cash value), adds interest to it, and then when you die, your family gets whatever the stated death benefit is (which consists partially of cash value and partially of pure insurance). 

Please evaluate. honestly I felt it’s pure dumb luck why we had this deal.

That creates a land shortage and with land prices so high it’s hard for the market to keep up with pure migration and growing industries like vehicle and battery manufacturing.

There is an old saying - 'money is a renewable resource, time is not'So based on that, I would sell/liquidate assets to buy time, piece of mind and pure relaxation and a chance to just sit and evaluate life a bit.