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Reply to "Getting real life insurance now that we're expecting our first child - advice from people who know life insurance? "
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[quote=Anonymous]Term life insurance. Make it graduated. You may need more insurance for the early years but as you build up your assets, and cross some expensive milestones, your requirement for insurance will decrease. My 2 cents - in early years, my DH bought huge amount of insurance so that if something happened to him (he is sole breadwinner), I would never have to go back to work. He calculated my retirement, college for kids, weddings of kids, standard of living, long term care, medical needs, therapy, even foreign vacations that I might take as a merry widow to come up with the amount. [/quote]
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