But you can - you just have to pay the benefits from the program back = which takes money which you got from your insurance. :)
That's the point I was making. SFIA doesn't indenture your children or lock your land out of re-sale, it just might cut into some inheritance if they choose to unload the property before allowing the window to open to get out "clean." It's possible to transfer ownership and remain enrolled too. Would that limit your market? Maybe, or it might just lower the after-sale proceeds. Even after 24 years enrollment, we're still only talking about the value of a used car in back-taxes (but I'm pretty sure they only go back 8). It's not something I'd lose sleep over.