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Does term life insurance take into account the combined income of a married couple?

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Life Insurance

I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make ,000 a year, are they entitled to a policy that is based on ,000 of combined income, or are all policies handled on an individual basis?

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