Good question! The logic there was that I think it’s usually the right call to take out a death benefit that covers the expected inflation-adjusted cost of preservation when you’re 85, not the current dollar amount needed to cover preservation. Especially since you’re already over 35, covering those cost increases by taking out additional life insurance in the future is likely not the most economical choice.
I discuss this whole question more here, but let me know if you still feel unresolved.
Good question! The logic there was that I think it’s usually the right call to take out a death benefit that covers the expected inflation-adjusted cost of preservation when you’re 85, not the current dollar amount needed to cover preservation. Especially since you’re already over 35, covering those cost increases by taking out additional life insurance in the future is likely not the most economical choice.
I discuss this whole question more here, but let me know if you still feel unresolved.