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Reply to "Do we really need a will and life instance?"
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[quote=Anonymous]Widowed with an infant here. Odds are it won't happen to you...but it does happen. Term life. Used USAA and didn't really comparison shop, so maybe others will chime in. Got a great rate while young and healthy. Take advantage of employers' life insurance, 1x salary is pretty standard benefit, then you can pay to increase it (in our case, to 4x salary). We used a will in a box and had our neighbors witness it, thinking we won't need this and "soon" we'll meet with a lawyer and write a "real" will. DH died before we got to that and it was a bit of a pain. Now I have a will and living trust written by an attorney.[/quote]
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