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We got the policies because we're young and would want the other to be financially protected if either of us died unexpectedly, we own a home together, and we also co-own a business. in the past. But a rule of thumb is just that: a general guideline, a little bit of context to help you make a decision.when we each made the decision to purchase life insurance policies, even though we don't have children.My wife, Kali, is not financially dependent on me. We combined our finances when we got married, so we hold many joint assets together that she would inherit if I died, and she's listed as the primary beneficiary on my retirement accounts.
At that point, we likely wouldn't need the coverage: We would have had 20 more years of earning history, mortgage repayment, and contributions to savings and investment accounts under our belts. If something happened to either of us at that point, the other would most likely not face the same kind of financial hardship then as we would today.
I want to be rich when I am dead
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