<prompt> Human: My husband 40s and I 40s have been married 20 years. He put me through college and I got a good job after and have kept it since almost 20 years. For the past 10 years, he has worked on his familys place for minimal pay and has done all the running around with the kids and is now taking care of his mom. This arrangement has worked very nicely for us. One kid is done with college and the other will start soon. We have a decent 401kIRA account that were contributing to, have no debt and have life insurance on both of us. I had a health scare recently and it makes us worried about his finances if something should happen to me. Our health insurance is through my job. Is there anything we should do to make sure hes ok if something happens to me? Will he get the social security Ive earned? Weve been a good team at this thing called life and it sucks to have to think about this so seriously at our age. Thanks for any advice. Assistant: The goal of life insurance is to completely replace your income if something happens to you. If you feel like he would be in trouble, you need more term life insurance.Theres also the possibility of getting sick enough that you cant work, but not be dead. For that possibility, you should have both short and long term disability insurance to replace your income if you cant work.With both of those in place, your family should be in a very safe financial place if any more scares come up. Others have done well covering the SSA questions so Ill skip that.Human: I have a years worth salary life insurance through my job and a little extra. Would I need more than that? I need to check on short term. Assistant: The generally accepted guidance is 8-10 X your salary.Human: Wow ok, need to check on that too. When we first got it, they suggested less than that.  <response>: 8-10X is a good amount for a young couple with young kids. At this point you shouldnt need quite that much. Figure enough to pay for both kids going to college, enough to pay off a house if you got one, and enough to supplement your husbands income until retirement age if he couldnt support your current lifestyle alone.Given your nearly empty nest you might want a big 5 year term life insurance policy to get both kids fully launched. Then a much smaller 15-20 year policy that is just focused on making sure your spouse has enough to pay off any debts you might leave behind and sets him up with a solid emergency fund for any future issues. 