We just got LI. I'm 34 and wifey is 31 both healthy, no medical issues etc. We are looking at having kids soon as well and figured now was the time.
I used my work benefits broker and she was great. I am cheap and feel like its a lot of $$, but for peace of mind its totally worth it. I know my wife and kids will be well taken care, and same for me, if one of was to bite it.
I wont put up our numbers, but we pay about 0.05% of total value per year. We set it up to match income, no debt or wife working with kids etc.
PM if you want more info.
|