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I'll add to Tom's and Jim's comments...

$4261 per year sounds really high... unless that is for two people?

Here, wife and self signed on with GE Financial a couple of years ago for $4800/yr for both...

It includes in-home option...

We did take the "5% straight"* benefit increases... GEF also offered a compounded 5% version, but the premium surcharge wasn't worth it, IMO...

And do make your final decision with all deliberate speed... your birthday[s] will kick you into the next bracket ON your birthday... [IIRC life insurance kickers occur when you cross the XX "and a half" date]
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