Recommended Life Insurance Not Justified

The only issue I faced with the life insurance, James, is that in the total spending column I found that my insurance was not as expensive as the program indicated. So it says, for example, that I spend 1200.00 a year on term insurance when in fact I only spend about 800.00. The fact of the matter, however, is that I do need about 500k of insurance no matter what I pay for it. So that number should not change as the recommendation. It's a number consequent of my whole economic picture and will change a few dollars as the program projects better (poorer) performance on my investments. The ESP calculates the cost of that 500k based on standard industry rates. The fact that I get it cheaper just means I'm a good shopper or that my workplace pays some of the cost, etc. The 400.00 difference between what I actually pay and what the program thinks I pay just means that I have 400.00 more per year to "consume" than the consumption number indicates that I have in annual recommendation. I assume the consumption number is not going to be accurate to the penny anyway because of little things like receiving a gift of money or getting a christmas bonus or whatever. But it's pretty darn close.

Dan