Right now, going back to school would affect their life insurance needs because that part
of the life insurance would be gone. So, if something were to happen, they would not
have that insurance to help cover it. However, if nothing would happen until the
schooling is over then they would be better off because the life insurance would be
I agree with the amount of insurance provided because being in school full time takes
away from your time at work causing you do not work as much as you were before
which means your like insurance amount should not be super high.
There needs might change over time because they eventually more than likely are going
to want to start a family. They also never know what is going to happen with their
health. There are freak things that happen and one of them might get sick and they
might really need to rethink their life insurance plans. They also are going to need to
make sure they have the life insurance that they need for the time being.