How Much Should I Have For Life Insurance? 
There are a variety of factors to consider . First , final expenses . This includes cost of burial , funeral , flowers , cemetery plot and other items . The national average is around $ 8 to $ 15,000 . Then you need to consider an emergency fiund if you are married . The normal recommendation is at least 6 months of your salary . This will provide your wife enough money to get on her feet and if minor children are involved , provide care for them until social security starts to pay . Next consider mortgage and other debts , if you were out of the picture , will there be enough money to cover those debts and still provide for the family . Do you want to help with your kids college ? Many people will provide for a college fund if they pas on prematurely . As you can see there are a lot of factors to consider . Once we determine the amount of coverage needed then we need to consider an affordable way to pay for it . This is where a good independent agent can help you . With a combination of term and whole life insurance most needs can be met . Find an experience agent who represents many life insurance companies and can help you select the plan that is right for you . 