How Much Life Insurance You Need.

Many experts say the best way to determine the amount of life insurance you need to calculate is determined by a needs assessment, which will be broken into a simple formula: short-term needs + long-term needs - resources = how much life insurance you need. You should do an analysis at least once every three years, had, or whenever you have a major life change. For example, if you get a new baby, you have higher education needs and child care costs to recalculate. If you own a house, a mortgage is likely yourgreatest financial burden. As you decrease your mortgage balance with each payment, it is important to include the revised figures in your calculations.



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