I have been looking over the four different affordable life insurance quotes that my agent sent over last week and am having a hard time deciding which policy to go with. I know that I need to choose one that will cover all my debt and my funeral costs, but there are only two that do just that and the other two will leave a lot of money for my wife and my kids also. I know that I should set up the two that have the extra funds but I am just not sure if I can afford those right now.

My wife and I just had our second child and money is pretty tight right now, in fact she was against me even looking into the affordable life insurance quotes. She thinks that we just cannot afford to add one more thing to our budget but I know that this is probably more important than anything else we have to pay for right now.

I think that I am just going to go with the no medical life insurance policy that will just cover our current debt and my funeral expenses. This way, I know that they will at least be debt free and the house will be completely free and clear for them. I figured that with the no medical life insurance policy, my wife will not even know that I set it up and I would just give a copy of it to my lawyer to hold for safe keeping.