<prompt> Human: First, Ive been a long time lurker, but never a poster. I dont know the rules and Im at work and a little anxious to ask my question so I havent had the chance to look those over. If I break a rule I sincerely apologize.Im 25. Id say Im fairly healthy. I dont have a six pack or anything but I exercise twice a week. Every now and then a bit more. I also meal prep, not always just chicken and broccoli, but definitely eating healthier than the average person. What Im getting at is again I think Im fairly healthy. My girlfriend is as well. Except that she has an immune deficiency. It requires monthly plasma transfusions. We have known for a few weeks and Ive been itching to do something to help with this financially.I have a financial background and work with investments. During a meeting with an insurance partner, who has always done great work, I asked him about my situation. We factored in a mortgage we dont have, tuition for kids we dont have, our current debt which is minor, and replacing my income. It landed on a 1.9 mil 20 yr term life insurance policy. We added a conversion rider so I cant convert near the very end to a whole life or something with a cash value if needed. It was quoted at any there from 800 to 1100 per year. That actually doesnt seem so bad to me. I could afford it. Shit I waste money on worse things and this is protection. But my coworkers over heard and started saying how theirs is only 25 a month and that 1.9 was really generous. Im not looking for advice on us not being married yet, or not having a home, or not having kids yet. The only thing keeping us from being engaged is that I want to buy the ring in cash so not to give her half of the debt. I should be accomplishing that in the next 6 months or so. So I figured, hey Im if Im going to get married in the next year and get a house and probably have a kid a couple after that, why not try to get a solid premium at 25 then 28-30. I believe rates go up exponentially around then. Am I making a good decision? What am I missing? Is there more information I should provide so anyone can give me advice? Please help! Thank you for anyone who does. update: after all the amazing advice, Ive decided to hold off to price out some options. If I do decide to move forward it may be for around 500k-1 mil and when it expires it expires, no reason to convert. I do appreciate the discussion happening so I hope it continues as its giving me clarity as I sort through some options.  <response>: This person is trying to get a commission. He doesnt make money if you pay off your debt like a normal person. Or buying real estate, or bulking up your 401K, all better decisions that dont benefit him.You dont need life insurance. No one is financially dependent on you. If you want life insurance, term is shockingly cheap even at OMG 30. Sure, fire up a half mil or something. 