我應該有多少人壽保險？
我應該有多少人壽保險？
 Term life insurance is intended to cover needs that have a set time period. E.g. A 30 year mortgage can be protected by purchasing a 30 year Term life insurance policy. So you can determine how much Term life insurance you should have by looking at the need to be covered. E.g. if your mortgage is for $200,000, taking out a 30 year Term policy of $250,000 (enough to cover the mortgage plus misc other expenses that would be incurred upon death) would be a good amount to purchase for that particular need. Figuring this out for each temporary need, then lumping them together in the length of policy needed, can be a cost effective way to buy Term life insurance.
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