We have 20-year term, $500k on each of us. We were probably a bit over-insured when we bought it, but it's just right now. It's more than 10X income, but we have extenuating circumstances--
1. We're unmarried and won't be eligible to receive SS survivor's benes (altho our son will be eligible)
2. I have medical conditions that mean I probably won't qualify for insurance ever again, so I'm glad we bought more than we needed 5 years ago.
There's a rider that allows us to extend it when the term is up. The premiums will change based on our ages at that time, but my health can't be reclassified, which is the significant thing.
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