NoRegretsCoyote
Registered User
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I still think you are overinsured.Mortgage protection, 650k life policy (38 years left) and 4x salary life policy via work. 400k or so mortgage protection. My partner works in public sector so whatever they get.
Prob over insured, I'll prob stop letting my life policy increase.
At your age there is something like a 15x greater risk of suffering a life-limiting disability than dropping dead.
I would look at income protection insurance to some extent instead. Read the fine print as I know the criteria for payout can be strict. I thought I was invincible at your age and trust me from experience that you don't value your health until you lose it.