life insurance

Do you need more insurance?
Q. My wife and I have $1.5 million in term life insurance total. That will cover the bills if one of us dies. But I also want to leave an inheritance to our kids. Should we get more insurance?
Should mom cancel that whole life policy?
Q. My 70-year-old mother has been paying about $3,500 a year for a whole life policy. Her husband is dead and her kids don’t need the money when she dies. I’d rather see her use the premiums when she’s alive. How can I get her to cancel the policy?

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