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How Much Life Insurance Do I Really Need?

  • Writer: Crosswinds Insurance
    Crosswinds Insurance
  • Apr 1
  • 1 min read

One of the most common questions we hear is simple: how much life insurance is enough?


Basic Rule

Start with 10–15x your income


But Go Deeper

Factor in:

  • Debt

  • Mortgage

  • College funding

  • Daily living expenses


Example

If you earn $75,000 annually:

  • Coverage range: $750,000 – $1.1M


How This Connects

For a full overview of coverage types, visit:

Life Insurance Explained

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