Hi all and thank you for taking the time to answer my question. I seem to have mislead you, however. The life insurance is on my healthy husband who turns 55 this year. He carrys it to make sure I am taken care of in case something happens to him as I no longer work. The plan we are looking at has 10,15, 20 and 25 yr fixed rate policies. Obviously, the difference between the 10 and the 25 year terms is fairly large. We decided to take the 15 yr because it is pretty reasonable and he should be retired by the time it runs out and he doesn't feel we need it after that with his retirement (what's left of it, lol) and such. We have a small 10k policy on me that we have had for some time and are keeping it in force. After seeing David's answer, I think I'm going to up the amount as retiring to the south of France sounds like one heck of an idea.

Incidently, I think I'm one healthy speciman and could very easily live to be 100. I plan on seeing the rest of you there, also. Carol