 He had a whole life insurance policy that left their family underinsured.Five years later Art Williams' cousin Ted Harrison introduced him to the concept of term life insurance, a much less expensive and simpler alternative to whole life which at that time was almost never sold and rarely heard of outside the insurance industry.Williams was taken aback by the idea of not knowing that there was a choice when buying life insurance and described the whole conversation as "disturbing," recalling his father's death and referring to the fact that people had no idea of such a product.