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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]We did 1 million each for 20 year term. Enough to pay off mortgage plus kids college. The timeframe of 20 years was chosen because we assume kids will be independent or near independence in 20 years. Both of us work and our incomes contribute equally to hhi. If you have only one spouse working and that spouse does, the other spouse would need more I would think but that wasn’t our situation. We had to get a health check up. Cost is 27/month for me and 100/month for Dh (he is older than me plus has a health condition that dinged him)[/quote]
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