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[quote=Anonymous]OP here, I should have added that this is more an issue if only one of us dies because while our networth is over $1m, $400k+ of that is tied up as equity in our house which the surviving spouse will likely not have immediate access to because they will need somewhere to live. Plus $250k is retirement funds which will still be needed for retirement, plus $50k for college. Not so much left for everyday living expenses beyond an emergency fund and the $250k policy if there is no income coming in.[/quote]
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