how do you choose what life insurance to get (what amount, conditions)? @eigenrobot and @MorlockP any advice?
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you also want to take into account what your spouse could actually do after your death like maybe she would take a job once your youngest starts going to school—that would cover some of the household expenses, so you don't need to cover the whole thing with the insurance
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on the other hand the household expenses also change—maybe a teenage kid is more expensive per month than a baby, i don't know also you subtract your own expenses from the household expenses after your death etc etc
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