[MonkeyMama]

$500k/each

I am probably a little under-insured and dh a little over. But if something happened to both of us the money would be well needed too (even more) since our appointed guardians owe about $500k on a 2-bedroom fixxer-upper (high COL area). most of the money could go to decent housing for a suddenly larger family.

I think it was 10 times my income at the time and now is less. I will likely increase mine and lower dh's in the following years as we rely more heavily on my income and don't expect to rely on his at all. I would still keep at least $100k on him, but overall not much more is probably necessary once the kids are old enough not to need care if something happened to him.