 okay gotcha and how about for the two of you do you each have a life insurance policy a term life or any other kind of life insurance that's a great question so i do i have 25 years 750 um and we're working on getting a 1.25 25 year for my husband but he's had a hard time with the online applications and so we're working on it he doesn't have any coverage through work he does have some through work i think it's about three times the salary and i also have about that