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Message: <blockquote data-quote="Jackburton" data-source="post: 3647930" data-attributes="member: 34538">Be an adult and get real life insurance that will cover more than 6 months of your pay when you’re dead.You need something that can put off enough to replace your income as if you were working for the rest of your life.  For example, 1mil at 8% return is 80k, that’s about average driver pay. This is also never touching the principle, which by the way, isn’t taxable. The return it puts off will be taxed at normal income tax rate however.I bought a 1mil 20 year term policy with the best health (non smoking, no cancer, not over weight) at 36.  My annual premium is $515.Do yourself a favor and get something that will make sure your wife and (kids?) won’t have to worry about paying the bills while picking a grave to throw you in.</blockquote>