Ok, so you have no experience and you're just making things up.

> Term life is just not that complicated a product at heart

Sure, it's easy if you don't know what you're talking about and just make stuff up!

> Onus is on you to prove that if every single life insurance provider was suddenly Thanos snapped out of existence tomorrow

Literally nobody said that would happen. Now you're arguing points that nobody made.

You have no experience in the area, arguing things nobody said. You're perfect for VC money, lmao.

> That seems like a laughable claim to me

Nobody made that claim. Why are you laughing at things nobody is saying? That's weird.

> That seems like a laughable claim to me, but maybe you know something I don't.

I would 100% guarantee people that have worked in an industry know more about it than you do.

Textbook demonstration of the Dunning-Kruger effect. You have no knowledge or experience in an area, but you're confident you know how it works, moreso than the actual experts. https://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effect

"the Dunning–Kruger effect is the thesis that those who are incompetent in a given area tend to be ignorant of their incompetence, i.e., they lack the metacognitive ability to become aware of their incompetence. This definition lends itself to a simple explanation of the effect: incompetence often includes being unable to tell the difference between competence and incompetence."

I think this very accurately sums up your comments.