how much and how long?
thinking 500k or 1 mill but my concern is that won't be worth half as much in 20 years

Several different variables to consider. What is your income, how much debt do you have, and how many dependents?

What's your social credit like and do you have Amazon Astro Robot?

That's so true, I have never heard before of those Astro robot. Holy smokes, Amazon is one hella scary company. Introducing the ultimate mesh network surveillance tool on invitation only!!!! :rofl: :rofl:

1984 by orwell starting lmao

I have a LIRP

unlimited contribution that grow capital gain tax free with penalty free withdrawals once you’re older

But monthly premiums are higher

I don't bother with life insurance. I have no children and no debt. I would be leaving sufficient funds to my wife in the event of my death anyway. I don't see the point of it if you have no debt or dependants.

Do you have either of those things, or are considering some type of debt instrument that will require you to have life insurance? Does your employer offer group-term life insurance already?

This post was edited by SBD on Nov 4 2021 09:13am

Agree with this, 2 reasons I would get life insurance:
1) If I had kids
2) If my wife was not working and I was the sole income for the household. Which would probably only happen if I had kids

my son was born 2 weeks ago which is why i'm looking into it
my employer does offer group life insurance benefits but i won't be staying with them for more than 2 years which is why i am looking outside