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How Much Life Insurance Is Too Little?
This again depends on your assets and how much you have saved. Most people are also lacking in disability insurance. Both of these life insurance needs should really be taken together because they go in tandem. If you are well life insured but become disabled in an accident, that will not help your family.
How Much Life Insurance Is Too Much
If you have life insurance to the point where, if the capital is invested, it will pay annual interest way beyond the amount necessary to care for a family or loved one or to provide a pension.
How Much Life Insurance Is Just Right?
You should carry enough so that if invested conservatively, it will generate enough after-tax income to care for your family, whichever way the proceeds need to be used. Thats why this product is called life insurance.
The Right Amount Of Life insurance
The amount of life insurance you should carry is a very personal matter. All families differ in their needs. And not everyone believes their heirs should inherit wealth beyond the bare necessities. Some people have the attitude that as they did not receive any more than the basics, why should their heirs be any different.
Whatever your attitude, one thing that will help your family, however small, is a life insurance policy.
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Ivon T. Hughes of The Hughes Trustco Group is the author of the Life Insurance Handbook: How To Get The Best & Cheapest Life Insurance available FREE to all new subscribers at: www.hughestrustco.com
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