How Much Life Insurance Should We Get? 
That can vary according to your situation and the reason for purchasing the insurance . Do you have debts such as a mortgage or credit cards you want paid off in the event of your death ? Do you just want to cover final expenses ? In the case of final expenses you need to consider not just the cost of a funeral but also possible medical bills that may be incurred , an emergency fund for your loved one , and a variety of factors . Each case is different . You need to sit down with a qualified insurance agent and discuss your needs . A good agent will not just sell you a policy , he will consider your situation and find you an affordable plan . 