I figured it's time to grow up and get a bit more insurance than my employer provides (and that will travel with me regardless of employer).

My thought is to get ~ $1,000,000, split up as follows: $500,000 in a 10-year policy; $250,000 in a 20-year policy; and $250,000 in a 30-year policy.

Or something like that. Thought being that, as I age (and my portfolio increases, and my MPA-holding wife can get back into the workforce as the kids get older and more self-sufficient), we will need less and less by way of life insurance.

Anyone else have a similar structure? Anyone have a different structure (and why)?

Should I just encourage mrs. ebv to marry for money if I go?