The ideal time to buy life insurance is at 30 (it's not much cheaper before that, and quickly gets more expensive after). I went with a 30 year, $2mill plan for

The ideal time to buy life insurance is at 30 (it's not much cheaper before that, and quickly gets more expensive after). I went with a 30 year, $2mill plan for $120 a month. My thought is that who knows if/what my family looks like in the next 30 years, $2mill is a decent chunk of money for any dependents, and by the time the insurance runs out, my investments will hopefully be worth more than the insurance. I did policy genius (not affiliated), and it was really easy. Plus it's not tied to my employer.