How To Determine How Much Life Insurance To Buy? 
A lot depends on your circumstances . While some agents use a rule of thumb approach each case is different . It depends on what you need to protect . Are you married ? Is there children ? Do you have a mortgage or debt ? What is your income level ? Does your spouse work and will he or she be able to continue to work if you die ? A good agent will do a complete fact find analysis of your situation , taking in consideration all of your needs and your financial situation and help you determine the amount of insurance you need , the type of insurance and take in consideration the affordability of what he recommends . 