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That's great!
Except, he didn't ask about apples, he asked about oranges. So why are you so busy telling us the apples are no good? Particularly since he already acknowledged the apples suck.
Why are you making such an issue over my opinion? If I had stated a fact and you know that fact to be wrong, then it would be your duty to correct it. For example if I say, "Settlers has a good term plan", you can pop in and say (correctly) that Settlers does not have a term plan.
The fact he is talking about college kids isn't really the issue, it's the age. In MY OPINION anyone under a certain age is a waste of time talking to about life insurance. There is always a chance one could sell ice to an Eskimo, but it's not very likely..but if you see enough of them sooner or later one will buy.
Feel free to have the last word if you must. I for one am not going to continue this farce. Good Day.