How Much Life Insurance Do I 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 and still other use variations on these methods . Ask a life insurance professional to provide a customized analysis for you and your family . There are a wide variety of online calculators such as this one : WEBSITELINK These online calculators can help get your arms around the problem and better prepare you for a planning discussion with your agent . 