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Reply to "Term life insurance duration"
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[quote=Anonymous]My husband who is in the insurance industry just told my friend to get it until her kid is 18 or 21. I feel we are over-insured. He just told me he has a 20 year one expiring in the next year - that surprised me since we have been married 17 years and our oldest child is 14. He apparently got it when we were engaged and has me as my maiden name as the beneficiary. In terms of what he wants to give our kids as a safety net - he also has a universal life insurance policy. I think at 20 years we can get back what we paid in OR elect to keep paying it for a death benefit. I told him we can decide what to do with it in 10 years when we need to make the decision.[/quote]
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