No, I don't need life insurance. I have a $170,000 term life insurance policy through the state where I work that costs me about $100 per year. My wife has a similar policy through the county where she works. We don't need life insurance.You don't need the whole life but you may want to consider new term life. Can you keep your term life insurance if you leave your state job or your wife leaves the county job? If not, you may have a health condition that makes term life expensive if you leave your jobs. With a term policy outside of your employers, you are free to move to other jobs without concerns about losing your life insurance.
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