How Much Life Insurance Does The Average American Have? 
According to a recent study , 41 % of U.S. adults have no life insurance at all . Of those who do , many only have group term life through their employer -LRB- will terminate when they leave their employer -RRB- typically at amounts like 50,000 or one times salary . The average U.S. household with life insurance owns enough to replace only 3.5 years of income -LRB- LIMRA 2010 U.S. Life Ownership Study -RRB- even though insurance companies will insure those in the 30s or 40 's up to 25 times their income or more . 