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How much do you need?
Typically, experts suggest buying a life insurance policy that is 10 – 30 times greater than your annual salary depending on your age. However, that shouldn’t be your one and only factor in determining your family’s overall future financial needs.
It is critical to factor in childcare, transportation, health and dental insurance costs, education costs, mortgage coverage, funeral expenses, etc. A good rule of thumb is to consider how much will be sufficient to protect your family when you’re no longer there.
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