How To Determine Term Life Insurance Amount? 
By the very nature of the question it addresses a temporary need . Based on that assumption : you need to total all debt short and long term , all future obligations such as child education and weddings and all future income needs for the life expectancy of the beneficiaries or 30 years whatever is sooner . That total number will be the starting reference point to design of defensive planning strategy to indemnify the death of the bread winner -LRB- s -RRB- . 