1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    That is going to depend on many factors, like your income level, your debt level, your health, your premium threshold, and marital status just to name a few. The best way to determine the amount of coverage you should apply for would be to sit down with a local agent and discuss your needs and wants for coverage so that they can help you determine what would be right for your situation.
    Answered on June 5, 2013
  2. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    You should own enough life insurance to protect your beneficiaries from financial exposure due to all indebtedness, future obligations like college education, weddings and retirement as well as making a difference to your children, grandchildren and charities. But you also want to cover your earning power over your lifetime. 

    Answered on June 5, 2013
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