At any way, according to MetLife's tables, I'm in "excellent health"- hooray. I might need to give them a blood and urine test, but I'm under 35, so I don't need a physical exam, not that I wouldn't mind anyway. So my question is, do I go for 10, 20, or a 30 year term? I'm thinking maybe 20 year? I'm sure some of you would be able to provide me insight on what term would be best for me. If I got a 30 year term, I'd be 60 when it would expire. Though there's a significant price increase from 20-30 years. HMMMMM. With a 10 year policy, I can get like $730,000 at 10 years for around $10 a month. Now what am I going to need $730,000 for? Well my beneficiaries would certainly be able to put that money to use. Really though to pay off the house, at what I owe today, plus final expenses and a little bit left over for my pets if they survive me, $200,000 would be just fine. $250,000 would be enough to pay off my student loans posthumously (do I even need to worry about it if I'm dead?) and offer a little more cushion room (which is what I want to go for).
TL:DR 10 or 20 year term is really the question. It's just a couple more dollars a month. Maybe 20 year? That's what I'm thinking.