How Much Should I Spend On Life Insurance? 
The amount you spend on life insurance should be comfortable enough that you can make the payments each month , even if you run into financial bumps in the road . Life insurance that has been dropped to reshingle the roof will not be there when the insured person falls off the roof and dies . Figure out what it would take your family to regroup without the stress of moving or having to take out a second job that first year , and at least get that amount , if you can afford it . If not , get less . But do get it . 