How much CI coverage sufficient ?

In one Retirement Planning Webinar, I ask what would be recommended CI coverage.  The reply offline from agent was 2~3 years of annual income.

Many would be grossly under covered.

I think CI coverage cannot be quoted by percentage.  If 2x 3x, it may run into $Million for household coverage ! 

Who would cover so much in CI!! And age 60 beyond, CI term premiums are very expensive! Unless one buy CI TermLife.  

During 90s, early n late CI are unheard of; CI List is also not comprehensive.

~~~

I remembered someone, whose parents recently both died of cancer, was sure CI is non-essential and coverage $50k~$100k generally suffice.  Surely he is correct; being single in his early 40s, it will be someone's biz to take care of him?

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