How Much Life Insurance Do I Really Need? 
Conventional methods center on a capital needs analysis -LRB- how much do I need as a lump sum at my death to create an income for my family -RRB- . Other methods look at Human Life Value or variations on these methods . Ask a life insurance professional to provide a customized analysis for you and your family . For a high level view , you can run some numbers yourself . There are a wide variety of online calculators available such as this one : WEBSITELINK Online calculators can help you visualize the need and better prepare you for a planning discussion with your agent who will help you ensure you have the right amount of life insurance . 