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This explained a lot thanks. Thanks for the responses everyone. I also checked wikipedia earlier today and I got a rough idea on how life insurance works. Apologies to those that thought I wanted life insurance. I wasn't very clear in my OP. I don't intend to purchase it, I just was curious on...

Hello everyone, I've ben lurking here for a while mainly because I am not really on the pathway to ER. I am 25, married and paying for school out of pocket and have about $8K in a 401(k) from an old job. I make too little right now to think about retirement, but this board does serve as quite a...