My DS is filling out his life insurance forms and we hadn't really given much though to life insurance for him before. We have small ones for him and our daughter through my husband's employer...mostly to cover funeral expenses. But now this has me wondering if trying to get life insurance outside the academy would be problematic for him. Would other life ins. companies charge higher rates because he might be considered "high risk"? Does anyone have any leanings on the pro/cons between going for the lower or higher pay outs (aside from the monetary cost of the monthly payments)? I would appreciate input based on your experiences, if you don't mind. As a disclaimer, obviously, I don't like to think about this stuff but I'm trying to look at things logically and practically. From my own personal experience, when I was applying for Life Ins. in my mid 30's I was first given quotes that were great because I didn't have any "risk factors". That coincided with a visit to a doctor (just my own physical) and the tests came up with a slight medical condition. This was discovered before I finished my paper work the ins. co. My premiums went from what would have been $17/month to close $147/month. Yikes! Sorry, this is long-winded. Still, would appreciate feedback on the ins. policy question. Thanks!