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I'm quoted $162/mo from Mass Mutual for a 30-year term on $1 million life insurance. I'm comfortable with the monthly cost, but unsure if I'm simply buying too much? Would $500k or $750k be more sensible? I'm a 41 male, healthy, married no children. Only major debt is our mortgage. I earn about $120k a year, give or take depending on how busy I am.
This is my first life insurance policy and want to make sure my wife could immediately pay off the house (less than $200k) and have roughly a decade's worth of my lost income. Is $1 million just right or too high?
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