ZERO insurance? Really?
ESPlanner recommended a trival amount of life insurance for me (15k) for a couple of years, then none at all. My wife was recommended at $1.2 million for almost 20 years.
Granted, I only earn 40% of the wages, I'm several years older, and I was conservative about my income projections as I'm self-employed. But we have one very small child, another coming soon. It just doesn't seem to make sense. It also seems to suggest that I don't really need to work. As much as I'd love to lounge around at home all day, I'd be surprised if this were true!