How Do I Determine How Much Life Insurance I Need? 
Complete a life insurance needs analysis - there are general worksheets that you can google for , however , to get the most accurate picture , you should sit down with a life insurance agent/broker . The purpose of the insurance is a driving factor in determining the need -LRB- e.g. income replacement , estate planning , family protection , etc. -RRB- . Realistically speaking , most people are not going to purchase enough coverage to cover every need that they have - many times this is because they ca n't / do not want to write the check for such a high amount . You should look at which are the most critical needs you want to meet , how long do you need to have each of them covered for - this will point you in the direction of how much coverage is appropriate and suitable for you . If I can be of assistance or if you have other questions , feel free to send me a message using the `` contact me '' button . 