re: Who do you use for term life?

i'm about the same age. i am the only breadwinner in my household with 2 children. i have 2 policies of $1mil each. one with prudential, one with protective. both 20 year term policies that i got a few years apart. my goal was to have enough to get my kids into college without my wife having to go back to work, and hopefully cover as much of college as possible. both kids will be about done with college around when the terms expire. at that point, i should have enough to self insure.

i have a friend who is a financial adviser. i used him to get my policies. he priced a few and i picked the cheapest each time. i also looked into a couple other companies with dedicated advisers. i discovered that minor health issues mean different things to different companies. some are less concerned with your medications, etc. than others.