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[quote=Anonymous]+1 you should stay far away from whole life, or anyone who recommends it.

You want term life with a guaranteed level premium for as long as you think you'll need it-- 20 years is good, could consider 30 as well (the longer the term is, the more expensive each year is though).

Another possibility is to layer policies, so you get some 30 year insurance, some 20 year insurance, etc.-- then you have a core of insurance for when you most need it, but additional insurance for later years.

IIRC, getting it while you are pregnant may be more expensive than if you wait til later.

You probably should use a life insurance calculator but I found them contradictory and confusing, so I will just say that somewhere in 7-10x salary is a good range.

You can get good quotes from sites like insure.com, or you can find an insurance broker who may know which companies are best for you (if you have specific health issues).

In general term policies are all very much alike, but keep an eye on the financial rating of the company-- you want them to be around if you need them in 20 years. [/quote]

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