How Much Life Insurance Does Clark Howard Recommend? 
10 times your income is one of the more generic ways to calculate the amount you need . It 's a good one ... The RIGHT benefit amount is so different for each individual . Income , debt load , size & age of family , etc. all go into the calculation . Often , we write two policies to meet a need . Especially those with young families . A LARGER benefit for a shorter term and a lower benefit to fill the long term needs . - gravy . 