 $700,000, $600,000, $500,000. There's no way to be sure because we don't know what tax rates will be in the future. Leave them to life insurance. Term life insurance anymore is different than the term life insurance of years past. Many of the new term policies have some living benefits. The ability to convert it to permanent life insurance if you want. My life insurance, my term life insurance has a long-term care benefit attached to it that if I ever needed long-term care,