I'm looking at things, I believe, similarly to you. When my kids were small and still living at home, the whole life policy was protection for them. With the term policy to pay for the house should I die before it's paid off--and the difference in premiums for decreasing term vs. level term was so small it was ridiculous--my wife will be OK if I die before the house is paid off. After the house is paid off, once a funeral is paid for, my wife will be eligible for my SS once she is of age [she's 8 years younger than I am], so her needs shouldn't be excessive.
She won't make out like a bandit...but she shouldn't starve, either.
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Today's Featured Article - An AC Model M Crawler - by Anthony West. Neil Atkins is a man in his late thirties, a mild and patient character who talks fondly of his farming heritage. He farms around a hundred and fifty acres of arable land, in a village called Southam, located just outside Leamington Spa in Warwickshire. The soil is a rich dark brown and is well looked after. unlike some areas in the midlands it is also fairly flat, broken only by hedgerows and the occasional valley and brook. A copse of wildbreaking silver birch and oak trees surround the top si
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