With regular life insurance, you bet you'll die.
With a tontine, you bet you'll live.
The latter seems much more sensible to me.
replies(4):
Life insurance is for the Husband/Wife, Daughter, and Son you left behind to replace the income you used to support them with and pay for the (abhorrently and unethically expensive) process of putting you in the ground in most places.
It's the lottery you don't ever want to win.
Most people do lots of things that don't benefit themselves to the exclusion of all others.