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I've read all the wise suggestions of reaching retirement age with adequate investment income & no longer needing life insurance to provide an income. Sadly, hubby & I don't fit into that category. Our lives did not take the path of wise planning...for which I will spare the public our poor choices & preserve some remnants of self-dignity.

Both our 20year life insurance policies are nearing expiration this month. Hubby is a veteran with 60% service-connected disability. Should I be a surviving widow...his Veteran disability income will end, and this will definitely reduce my financial outlook...to the point of probably needing to continue his life insurance policy, which is not thru the VA. Because of his longtime history of health problems, his policy was costly 20 years ago. Should I see if we can afford to continue this policy if allowed OR seek out a new one? I realize that it would be probably very costly to continue the original $100,000 policy...but even having a $50,000 policy would be some backup.

Should I pass away first, hubby would be better prepared to survive with his service-connected disability + Social Security + modest employment 401k benefits.

We receive all these mailings about life insurance, but not really sure how to proceed. Should I consult a local insurance agency OR respond to mailings OR stay with current insurance, so as to lessen chance of having to go thru underwriting, etc.

Hubby not financially interested in pursuing this concern, and I'm recovering from neurological disorder, so do not feel at my best in being mentally sharp. It all seems so overwhelming, etc.

Thanks for listening & reasonable practical suggestions would be welcome...
Apacherose
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