[DianaB]

I would go for a little more. You can tuck away some of it for college expenses for Micah too. The best advice I can give you is to talk to an insurance man, someone you can trust. Don't go in thinking that you're buying now but let him know that you're looking for information and checking around. Then hopefully you won't have so much pressure from him to buy. I would at least do $100,000 but you'd have to check into what your payments would be.

Just for comparison, I had $250,000 on my husband and it was costing me around $400 a year and we had that price locked in for 10 years. This year it goes off and I'll be paying a lot more, it looks like around $2700 if we decide to stay with this company. I just got a bill. YUCK!!! We may be doing some shopping for insurance ourselves!!!

I know that it sounds like a lot but with that amount our home will be paid for and some of our farm expenses. Then I'll have the option to sell off part of the farm to cover the rest of the expenses or keep it and rent it out or farm it myself. It won't be just money in my pocket, but it will help things to run more smoothly for me.