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A great question often asked is how much LIFE insurance should I obtain?   There are methods, life insurance needs analysis,  to figure this out; however I like to keep it simple.  How much do you love your family?  At the minimum I'd suggest $250,000.   I've heard it suggested TEN times your annual salary, i.e. if you make $40,000 then $400,000.  The beauty of life insurance is you are permitted to have multiple policies.  Perhaps start with $250,000 and as the family or your income grows take out another policy.  Taking out a 30 or 20 year LEVEL Term Life policy while your young and healthy locks in the rate for the 30 or 20 years.   Please contact Flanigan Insurance Agency in St.Louis, MO know if you would like a quote.
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