actually in the long run it sound logic.

imagine you buy alot of property with MRTA/MLTA, when you die, the MRTA pay off all your property, your children inherit all your wealth.

then your children do the same and pass to his children, then your blood line will have alot of wealth in future.

Can still get life insurance at an older age? Once your diseases come in, most won't insure you for life, I think.