[CraigThor]

I choose the 500k for myself as my work can be somewhat dangerous at times and we plan on building a house in the next 5 years and at this time to build it would cost 250k. also I could have got 250k coverage but the 500k was only $2.00 more a month. I just got off with the place that I have my loan they said if I wanted they could rerun my credit to see if I would be approved for a lower rate, but my wife doesn't like the idea of us getting another loan to pay this one off I've tried to talk to her about doing that but she doesn't want to hear it. I currently don't have a CC with enough credit to pay the loan off and really have worked hard to get rid of them. We've paid off 10 cc's this year. I still think she needs to put into her retirement though so for now I want to get her a little nest egg.