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[quote=Anonymous]OP here -These are great responses! thank you. why are most of you choosing term vs. whole? I'm assuming that 19:38's policy has cash value tied to it? DH has life through work, but its only 1x his salary. I work as a consultant so no insurance. He is 53, I'm 48. 2 kids - 14 and 10. we have about $600K in retirement. We are trying to decide on whole vs. term. Pretty sure we are going to get LTC also - especially given how young our children are and still have HS and college to get through. [/quote]
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