I am a 54-year-old male and wife is a 56 year-old and both of us are in excellent health. Our home is paid off, 3 adult children out on their own and no credit card debt. I currently have a 200k term policy for $58 per month through my work. My wife works part time and has a 100k term policy for $59.24 per month. Both policies are through our work. Do we need these Term life insurance policies or is better to put the money in a mutual fund monthly? Or invest in other things? Please advise.
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