Typically, final expense policies are for lower coverage amounts of $ 10,000 — $ 25,000. (truebluelifeinsurance.com)
You should stick with lower coverage amount which eventually result smaller premiums. (burialinsuranceexpense.com)
On the other side of the spectrum, if your children are still in diapers, then lowering the coverage amount and sticking with the 30 - year term is probably the wiser choice. (quotacy.com)