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What is the rule of thumb for determining how much insurance a person needs?



Please use our Needs Estimator section to help you determine a death benefit amount that is appropriate for your situation.  A quick way is to take your net income and multiply by 10.  This means the insurance would provide 10-years of income to your based on your current income.
  Another way, is to add your debts including your mortgage and then calculate how much money it would take you to meet your needs with all debts paid off