How much life insurance should I get?

Everyone's needs are different and your needs will change throughout your life. A rough rule of thumb is to have life insurance coverage equal to approximately 10-12 times your annual income. To get a better estimate as to how much life insurance you should have you should consider the following needs: funeral expenses, payoff of debt including credit cards, auto loans mortgages, income replacement and children’s college education. Use our life insurance needs calculator to determine your needs.