[quote]Obviously the insurance company will try to sell you too much but you have to consider your own personal situation e.g. if you have a working vs non-working spouse, number of children, time it takes for your family to bounce back and be ok without you etc.[/quote]Something to consider too is the level of assets you currently own. You may have enough in savings, investments, home equity, etc., that you may end up needing little or no insurance.
