How does a person determine how much life insurance one needs. Well, there are many variables to consider. Sometimes simple calculations are used to determine Life insurance need using income and a certain number of years that would have been worked. Sometimes debt is played into the calculation. I normally ask a person, “What do you want your life insurance to do for you?” Things to consider would be replacement of loss of your income. Do you want life insurance to cover the cost of college should your children choose to go? Do you want your house to be paid off? Other debts? Where do you live? Sacramento? San Francisco? Los Angeles? Yuba City? Redding? How much does it cost to live there now? 30 years form now? Computing the amount of life insurance can be harder than one thinks when considering the rate of inflation and choosing the appropriate investment vehicle to use to make the money last. If you want a few analysis then call Cochrane Insurance & Annuity Services at 877-670-7526 or e-mail at info@cochraneinsurance.com. We will be happy to help you with any questions you may have. Insurance Quotes are free.