I purchase life insurance form Metlife when I had my first child and with every new baby since then I have increased my life insurance to include every child. My wife also has her own life insurance policy with Metlife.
I currently have coverage for two million dollars, and I only pay two thousand six hundred dollars per year for my premium, which I pay once a year. Metlife offers me many different programs as a parent that I can choose from because I want to make sure taht if anything happens to me that my entire family is taken care of because it would take a lot for my wife to put four kids through collego on just one salary.
I made sure to keep my life insurance policy up to date because I had a cousin that made his policy lapse and when he passed away at the age of thirty seven of a heart attack, the whole family had to come together and help out his wife and three kids because believe me it is not easy going from two incomes to one, so that is why I make sure that my policy is aways on point.