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Life Insurance Introduction None of us want to talk about life insurance, and we definitely don't like paying for it! It's the most misunderstood form of insurance, in part, because we have a tendency to use it improperly. We're either over-insured, under-insured, or simply have the wrong kind of insurance. Determining what type and how much depends largely on answers to some of the following questions. How much do I need? How much do I want? What type of policy is best suited to my needs? How long will this need continue? Answering the previous questions will help you to define your insurance needs. Now, you can identify the different areas of your life that need to be protected by life insurance. Replace income Pay off debt Create an estate Fund education Special needs What would happen to my dependents if I died prematurely? Would they need to change their lifestyle? Sell the house? Work two jobs? Would my child's education fund be depleted? See the Life Insurance Quick Report for a customized analysis. The next section will assist you in figuring out how much life insurance you need. < PREVIOUS NEXT> #38599