How Much Life Insurance Does Someone Need? 
It depends on age and circumstances . A young person with a family , mortgage , and other debt will want to carry more insurance than a single person or an older person who has no children to support . The best thing is to sit down with a good agent who will do a complete evaluation of your situation and help you determine how much life insurance you need and find an affordable way to help fill that need . At a minimum always carry enough insurance to pay for final expenses , pay off debt , and provide an emergency fund for a surviving spouse , usually at least 6 months income . 