I guess I’m in the minority for not doing big life insurance either. Our house is paid off, we have zero debt, have policies through work and have variable universal life that we bought maybe 13 years ago. I realize now that we should have done term vs. VUL but if that was the worst financial mistake I made in my early 20’s I guess I’m pretty lucky. Plan to borrow against VUL in retirement. I guess it never occurred to us to make the other “set for life” if we died. I think having several years to not have to worry about $ is a good idea.