Term is the only way to go IMO.. I got a 30 yr fixed for 500k at age 32 and its $50 a month.
Zander insurance online is who i got mine thru. Recommended by Dave Ramsey.
Also... LONG term disability that pays out 2k a month till retirement is right at $50 a month.
I wouldnt buy short term.. IIRC the most it will pay is 6 months. Just take what that payment would be a stick it in the bank in a emergency fund that you dont touch unless its a emergency.
