How Much Life Insurance Should My Husband Have? 
You know , there really is a right way to answer this question . I think the right way is to do whats best for you as the beneficiary . Life insurance is , after all , a care package from the insured to his loved one . It is a way of saying , I love you , and I take care of you now . Im going to make sure that an insurance company takes care of you later . This means that the golden rule is this : the quality of life you have now , is the quality of life you should have if you suffer the tragic loss of your spouse . If you are not making do with less now , you should not have to make do with less later . The money you need to pay your monthly bills now , is the amount of money you should have to pay your monthly bills later . The larger question is : for how long do you need this benefit to last ? For how long do you want to live off the insurance money ? There are a number of factors involved in that decision . First , and most important , is buying yourself the time needed to grieve and move on . Think about it . You have dedicated yourself to a life with someone . Now he is not there . And will not return . How long will it tell you to get back on your own two feet and renew your life ? Two years ? Five years ? Longer ? Then , what about your kids ? Theyve already lost one of their parents . Forever . They will need you more than ever . They will need you to spend as much time with them as possible . Can you afford to do this ? Life insurance can make sure the answer is yes . 