How to estimate  the right amount of Personal Life Insurance needed:

In order to estimate how much Life Insurance you may require, use this simple analysis:

First, calculate the total amount needed to pay off all personal debts.

Then, estimate your future income/expenditure requirements and offset against remaining available liquid assets.

Next, calculate the additional amount of money required, invested at a conservative rate, to satisfy any projected deficit.

Lastly,  add any additional money that you would like to leave to future generations as a legacy or to pay inheritance taxes (if applicable).

This analysis will give you a general estimate of the amount of life insurance coverage needed to provide for your beneficiaries.  

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