pb4uski
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
OP, I think what you want to do is to look at the cost of a term life insurance ladder of guaranted renewable term policies in 5 or 10 year increments. The reason for the ladder is because if you pass later then the cost of replacing the pension that goes away is lower because there are less remaining years to be covered. So while you might need $1 million today to cover the difference, in 20 years it might be significantly less than $1 milion so it would be wasteful to still be buying $1m of life insurance when you need less to fund the gap.
https://obliviousinvestor.com/laddering-life-insurance-policies/
https://obliviousinvestor.com/laddering-life-insurance-policies/