The right amount is set by the obligation, not the premium
The right amount depends on what the money has to do and for how long, which is a different question from what it costs each month. Term, whole life, and indexed universal life each solve a different problem, and the structure matters more than the premium. Some applications are decided the same day through accelerated underwriting. Others take weeks, where a medical exam or records are needed. Age, health, and the amount applied for usually decide which path you are on. Tell us who depends on your income and what would still need paying.
