@hannahjane 30 times salary for those in their 20s and 30s is the best way (replaces lost income of working years). Then 10-20 times in your 40s and 50s
@katmack I'm a guardian agent and licensed fiduciary. I own two WL 95 contracts myself. Hard to answer your questions with out knowing more specifics on your cashflow and goals.
Who did you purchase the policy through?