What Determines How Much Life Insurance You Need? 
The reason you are purchasing the insurance and your circumstances . Are you married ? Do you have children ? Do you have a mortgage and other debt ? Are you planning on sending your children to college ? What about Final Expenses ? Does your wife or husband work ? Will they need any money to help them until Social Security for the minor children starts ? All these things need to be taken into consideration . A good experienced life insurance agent will help you determine what your needs are and recommend a plan of action that is affordable . 