u/Low_Habit2130

Its me (35) and my husband (38), and we do not plan on converting in the future. We do not have kids but plan on having a kid within the next 2 years which factors in the amount we need. We have a house we just bought for $726k. Overall pretty healthy, but he has mild sleep apnea. My husband makes more than me, so I was thinking of dropping the the $2m rider to $1m.

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Me ($77.58/monthly):

$500k - 35 years ($34.75)

$2m -20 year rider ($42.83)

Him ($141.03/monthly):

$500k - 35 years ($56.72)

$2m -20 year rider ($83.41)

and of course after 20 years, the monthly price will go down and we do not need as much.

Thoughts? Thank you!