One thing my wife and I took into consideration with life insurance is your career path. You might have great coverage with your work now, but will you be there in ten years? Your premiums start jumping big time post 40, so if you got approved now at 33 and then left that job at 42 trying to get private insurance through Slava would probably be a lot more of a headache.
We did a good chunk through private, then max out the work amount that doesn't require the physical for both of us.
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"In brightest day, in blackest night / No evil shall escape my sight / Let those who worship evil's might / Beware my power, Green Lantern's light!"
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