Seems like a pretty good deal to me. I make 50k have a spouse and 1 year olds. By the time it expires house will be mostly paid off and kids will have paid for college. I make 50k a year right now no debt outside 28y 175000 mortgage. Wife makes 75k. My career will top out around 60k annually and I max a Roth IRA outside of my pension. 1 mio almost seems like overkill but at that price I thought that in the event something happens I'll feel good about the number being left behind. Thoughts?