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How Much Life Insurance Do I Need? The best approach as to how much insurance to buy, is to consider your own personal needs, although there are rules of thumb. One of those rules would be that life insurance should be ten or twenty times of your annual income. Try to be sure your survivors have enough proceeds, in the event of your death, to meet their financial needs. Health Exam for Life Insurance. For different types and amounts of insurance, the rules vary from company .
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