{ "media_type": "text", "post_content": "My wife sells insurance so I am sure she views me as a customer but I am curious how much life insurance you 30 and 40 somethings have out on yourself?", "post_id": "59cd99e7f4bdbe049a84d215", "reply_count": 9, "vote_count": 4, "bowl_id": "599feb177c057d0010be0554", "bowl_name": "Financial Advisors" }

My wife sells insurance so I am sure she views me as a customer but I am curious how much life insurance you 30 and 40 somethings have out on yourself?

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I have $2mm term. $500K on my wife.I will get more/permanent if/when I need to handle a buy/sell.

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I'm under insured, I only have about 900k and my wife has 700. Plan to get another 800k or so of term later in the year.

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35 year term wowza. Have 10 pay perm policy for 1m and 4m in 10yr term, total debts of about 190k after payoff proceeds could be invested extremely conservatively and provide enough income (w/o touching principal) for my wife to quit working if I passed away.

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I have $1.3mm and my wife has $2mm

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I dont understand how a financial advisor would not have life insurance. Life insurance is the foundation of any financial planning. Your wife does not view you as a customer, she is trying to protect your family from financial distress!

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How much do you think your life is worth?

$1.5 M probably getting more by January.

The answer is different for everyone. It's dependent on assets already accumulated and what the death benefit is supposed to be used for. Generic way is income replacement from now until retirement.

$1mill term, $500k dividend paying WL

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