You have to go based on your own case. My wife and I got 20 years when the first kid was born . We didn’t get that much
250k each, house was already nearly paid off but we didn’t have much other than that. We know family has the money to raise kids too if something happened but what we have should cover it easily and help kids launch too. College is already covered by grandparents unless some disaster strikes. . Still, going to shop around and get a few more years and higher dollar amount like some other posters have done recently. Just like playing the lottery.
I think I would go for a longer term from the start, but I am not sure. The real financial planners here can answer that. We only paid $14 and $19 a month all along so that seems like a bargain.
