[Elgin526]

I have a $50,000 30 year term policy I got when I was 18, it's cheap so I've kept it up. I have 2x my annual pay through work, and another $250,000 20 year term I got after getting married.

DH has a small ($5k I think) whole life his mother got for him when he was a baby. He also has either 2x or 3x (I can't remember) his annual pay though work, and also a $250,000 20 year term on him we got after married. We would have liked more on him, but with his pre-existing health conditions, it was all we could afford.

It's not 8x our earnings, but it should be enough to pay off all debts and leave enough to supplement the income of the survivor.