My take on death. I had a great fear of death as a child. I have grown accustomed to the idea that one day death will come. I have read all of the catholic church's teachings and i do not find anything in them. I feel the bible to be much like jesus's parables, a story from which we can learn many things. I believe man created God and Religion to soothe his mind.

I have a more scientific approach to our existance and eventual demise.

Matt,

That coverage is important. Those are a face ammounts of about 10 to 15K; however, the coverage you are talking about to protect your loved ones, should be in a face ammount of about 10 to 20 times your annual income. There are some nice options with permanent coverage that can let you access cv and even gains on a tax favored basis..... some nice "Living" options for you... not just a death benny when you check out.....

Porch,

I understand your thoughts, also. Also raised the thoughts to why some think the bible is a novel.... by the last two words in the bible.

Cycle-

Thanks for the 411. I'm in the insurance business, so I have a bit of an idea of what you are talking about.

To determine needs, I have always used the formula of 5 times your income, or 8 times your income if you have children college bound. Personally, I use the 10X rule for myself.

It is funny how some folks don't want to leave a penny to their family. I have customers that say,"I only need enough coverage to get me buried. My family ain't going to live the good life without me."

They really crack me up. And there is no telling them any different. They will not change their mind.

amazing, hun!?!? Those are the people that I will not take on as a client. I choose my clients. I won't work with people that have low or no morals. They can find someone else. 10 to 20 times is my threshold, depending on cash flow. I personally ...when I die... would want my wife to have loads of cash... or they tend to remarry very quick for financial income of another person. I'd rather her have loads of cash so she doesn't "need" another man and she can take her time finding a good one... and not just an income. I would want her happy. With that said,,,,, I am still looking for my next-ex... hhahaaha (That's a joke... kinda)

I'd have to say I'm with burg on #5.

Death itself doesn't scare me...but I don't want to go out by being eaten to death by lions or have little bits sliced off me one by one by a serial killer. (OK, I know that's morbid, but...)

Tuckersdad,

In regards to your post number 11, and my post number 30, I'd like you to address those please.

Thanks.