Unsure of how to figure percentage of policy amount. I enrolled my wife and I together, we're still married but filing seperately

[SeanE1 · Accepted solution]

Most married couples that file married filing separately split everything 50/50.  But there are a few that choose to do the split in proportion to their incomes.  For example, if one spouse earns $60,000/yr and the second spouse earns $40,000/yr, they would split 60% for first spouse and 40% for second spouse.