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The relevant question should be “how much do you and your family need to maintain the current living conditions if misfortunes happen to the breadwinner?” Please ask yourself the following questions:

• How much money will your family need to maintain the current living conditions, pay for mortgages and loans if misfortunes happen to you?
• How much money will you need to maintain your current living conditions over the long run, pay for loans and mortgages and medical expenses should you suffer from total and permanent disablement?

Different people hold different views about their net worth. It’s over to you to decide how much life insurance you need.

The following exercise is designed to give you a gist about how much life insurance you may need.

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