How Much Life Insurance Should I Buy? 
The total amount of life insurance should reflect the total financial liability and future obligations of the insured for the benefit of his or her beneficiaries . If those liabilities or obligations are temporary , buy term life insurance if permanent buy permanent life insurance . Most people have both needs , so identifying those items on a data collector will help define the coverage youll need . The most important item of consideration is protecting you earning power through your working years . 