How Do You Determine How Much Term Life Insurance You Need? 
There will be a range of answers in the calculation . Are you married ? Do you have kids ? Are they going to college ? Do you own a home ? Have a mortgage ? What is your income and prospective income over the next few years ? Does your spouse have a career of their own , making a good income ? How much do you participate in the family income ? The broadest answer is from 2 to 10 times your annual income . Use these factors to calculate the more precise amount . thank you . GARY LANE . 