多少人壽保險充足？
多少人壽保險充足？
 This varies for each person. A lot of variables go into the calculation of determining how much life insurance you need, how long you need it, and what is an appropriate amount to actually secure. A life insurance calculator can help with this. A few things to get you started when calculating out what you need and how long you need it for are: 1) Do you have a mortgage? If so, how much is left on it and how many more years do you have to go until it's paid off? 2) Any final expenses you want paid off (e.g. burial expenses, credit card debt, medical bills)? 3) Education expenses for you or a family member you want to pay off (such as college tuition) 4) Income replacement - this is a big one! A question to think about here is how much income would be needed if you died today and how long would your family need it to maintain their current lifestyle. An insurance agent/broker can help you with this and make it a much smoother, easier process. One thing to also note, a lot of people think "once i'm retired, I won't need life insurance anymore so I can just buy term insurance and let it go when I retire" - there are many many many reasons why you should have life insurance during your retirement years. For example, if you're receiving a retirement pension and you die, the pension income may stop and not continue onto your spouse (if you chose the pension max option over the survivorship option when you started receiving benefits) - this can also apply to social security income. That's just one scenario.
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