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Life Insurance Needs ; Annual household income, $,, $, ; Percent of annual income needed if you die, %, %. What is the rule of thumb for calculating life insurance? Multiplying your income by 10 is a good place to begin calculating your life insurance needs, though. Use our easy Life Insurance Calculator to get a personalized estimate. Let's see how much life insurance you may need. How much life insurance do you think you need? Get a general idea in just two questions—then use our needs checklist to get a more detailed answer. The income replacement calculation is based on the theory that the family income earners should buy enough life insurance to replace the loss of income due to.

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