Life insurance rules of thumb

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If you are one of these three types of people, going by the usual insurance "rules" could cause you to buy too much coverage, not enough coverage or the wrong type of policy. By Deborah L. Yet, it is essential coverage for many families who want to protect the future earnings of one or both spouses.

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Alan Moore is one of the brightest of the crop of young financial advisors out there. His thoughts on the vital question of how much life insurance you need:. How much life insurance do you actually need?

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Broken rule of thumb: Have at least 5x your income in life insurance. One company lists x your annual income, another states life insurance needs to be at least x. Recently I even heard the rule is to have k per family member plus debt — which makes very little sense. The proper rule of thumb for life insurance should be: it depends.

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If not, head over to our budget calculatorget out your bank statement, and work out how much your family spends in a regular month. Consider all your monthly costs, from groceries to power bills, school fees to phone plans. Plan for your monthly mortgage repaymentand, if you tend to carry other debt you might want to add onto your estimate to cover this possibility as well.

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Does this rule of thumb work for everyone? Of course not. But for most, it is a good guide for the range you should consider.

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In general, a rule of thumb is a simple guideline that can be easily applied to a situation. Sometimes, we may find it difficult or feeling confuse to decide how much life insurance we need as well as how much we should spend for insurance. At the end, the mind obstacles may delay us to get an adequate protection against life uncertainties.

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Very few people enjoy thinking about the inevitability of death. Fewer yet take pleasure in the possibility of accidental or early death. If there are people who depend on you and your income, however, it is one of those unpleasant things you have to consider.

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I have a love-hate relationship with life insurance. On the one hand, I love it. It helped me get through college and have a life.

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It's clear that more families need the financial protection that life insurance offers. Remember: Life insurance is about protecting a family in the event that someone integral to the household passes on. This means that you need some sort of life insurance for your own family's protection. Figuring out how much life insurance you need requires a bit of thought.


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