While switching over my 403B and starting a 457, my new 'adviser' asked if I had considered life insurance. I'm still pretty new to this financial stuff so I let her do her shpeal about how it would help if I died for some reason in the next 20 years or what not, all the while thinking that I would probably just ask on the forum about this later. I got a quote of $319 a year for 30 years for $500,000. I have no idea if this is good or bad, or if its even needed, so I just would like some opinions on the matter. Together, my husband and I make about $120,000 per year pre-tax, and have $80,000 right now in investments. The only large debts left are my student loans ($68,000- on PSLF for six more years on it- will actually pay under $20,000), and our house. I do already have $40,000 in life insurance through my union, and my husband also has a smaller policy from his work. Any thoughts on whether or not this would be a good move would be appreciated!