[mjrube94]

Hubby gets his through work, 6x his salary, because he's the main breadwinner. I have a 20-year term through John Hancock (much cheaper than my group policy at work), because I do bring in a salary, and care for the kids. (This is something a lot of people overlook. If something happens to a SAHM, the spouse would need to pay someone for childcare, potentially housekeeping, etc.). Either would be enough to pay off the house, secure the kids' educations, and allow the other to not feel rushed into figuring out how they're going to manage.

As for where you get it, competition and the internet have made it very easy to shop around, and I do so once or twice per year. You may think that the group plan at work has to be better, but that's not necessarily the case. Start with lowermybills.com or termlifequote.com(?) and see where you come out.