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What’s the hardest part of getting Cheap Term life insurance quotes? For most people, it’s  trying to figure out exactly how much you should have. It doesn’t make financial  sense to spend money on protection you don’t need. But you still have to make  sure your family will always be comfortable – even if the worst happens.

On one hand, some financial advisers recommend multiplying your yearly income  by 7. On the other hand, they recommend purchasing just enough term life insurance coverage to  protect your income during your working years, and put the savings into  retirement investments.

So what’s right amount of term life insurance for you? Before you decide to buy a policy, ask yourself  these questions about your current – and future – financial needs.

4 Questions To Ask Before You Look For The Best Term Life Insurance policy

The answers to these 4 questions will help you determine the best amount of Term life insurance for you.

  1. Do you have any short-term   financial needs?   You can get this figure by  first adding up your short-term debts, like   credit cards and car loans. Next,  add in the amount you would need to   cover emergency expenses like unexpected  hospital visits or home repairs.
  2. Do you have any long-term   debts?  Long-term debts include your mortgage,  any student loans, or your   children’s expected tuition costs. You can use  today’s college prices to   give you an idea of how much your children will need  in a few years.
  3. How much would it cost to   maintain your family’s current lifestyle?  Add  up how much it costs to run your household and care for your family   for one  year. That includes your household and food bills, transportation   costs, and  childcare. Don’t forget to add in “standard of living” expenses   like clothing  and travel expenses. Once you’ve added up one year of costs,   multiply that by  the total years you expect to be your family’s financial   provider.
  4. What is your family’s total   number of assets?  Add up your family’s  resources. Your resources include all your savings,   investments, home equity  and Social Security benefits. Only add up your   “liquid assets” – those  resources that your family can easily turn into   cash.

Now all you have to do is subtract your total resources from your total  expenses. This number is the minimum Term life insurance protection you should  consider buying. You should ask yourself these questions once a year so you can  make sure your life coverage matches your current financial situation. Once you Know how much you need you can Compare Term life insurance rates


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