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Reply to "How to solve this life insurance problem?"
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[quote=Anonymous]What are you trying to insure for? Without knowing that, it is hard to provide a POV. Are you employed and you want life insurance to cover what your future income would have been in support of your family so that they can continue having the quality of life that they currently have? Do you have insurance that is through your current employer? My term policy was to provide financial flexibility that would enable my spouse to flex to not work if needed to support family through what would be an transition. This included paying off the house, fully funding 529s for undergrad with the expectation that previous savings for retirement as well as pensions would be adequate for living expenses. You need to look at your assumptions to see what your families needs are - what options you have - and how to create a plan for appropriate coverage. [/quote]
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