[Curt2000]

I looked at it this way, I wanted to get a policy now when I'm young and healthy and rates are low. I wanted the policy to cover a few years salary and be able to pay off the house for my wife as well as pay for college for my two planned children If I were to pass away. That all came out to be around $900k in coverage on a 30yr term. I added $100k in universal coverage to compliment the standard policy as more of a retirement investment. The two policies together cost me less than$100/month.