How much life insurance do I need ? | Resort Town Blog .Com Aspen Real Estate, Aspen Realtor,

How much life insurance do I need ?

Mom and Dad, you need life insurance!

Mom and Dad, you need life insurance!

Depending on your situation a simple rule of thumb is between 8 and 15 times your income.

You must take into consideration your debt load, income,  and how many dependents you have and if you wish for them to go to college. If you have 3 kids with ivy league intentions, you are going to need substantially more coverage than an individual with 1 child who wishes to go to a state school.

If you are carrying a large mortgage, other debtload or are employing substantial leverage a good rule of thumb is cover the debtload plus your other considerations.

So the individual with a $ 500,000 mortgage, $ 100,000 in other debts and three children with college aspirations needs approximatley $ 1,500,000 in term life coverage.  Which can be obtained inexpensively (especially given the stakes)

There is a great life insurance calculator at

http://www.quicklifecenter.com/termratequote

you can apply online for term life insurance as well there.

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