 guess i'm a big believer in right sizing life insurance is what makes sense for you it's not everybody should have you know we're not saying everybody should have a million dollars life insurance when they go into retirement it may not make sense right has to be what makes sense for your situation sometimes some people are like i'll tell them you need a small policy for the end of life stuff you still need a little bit of term left to cover this debt or that when that falls off i don't see a need for re-upping it because it's gonna be so expensive mm-hmm