The following guidelines can help determine your life insurance needs:

Immediate expenses includes items like burial expense, medical and hospital expenses not covered by insurance, attorney's fees and probate costs.

Mortgage cancellation assures your family will always have a home. If you are renting, you may wish to calculate a rent fund for a number of years.

A debt cancellation fund can provide full or partial payoff of installment loans and other outstanding bills.

An education Fund allows you to pay for some or all of the education for your children.

A fund for expected maintenance or replacement of your vehicle, household furnishings and appliances.

Survivor's income provides a monthly income for your surviving spouse and family. A rule of thumb is three to five times your annual income.

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