The most common questions we get asked are when do I need life insurance and how much do I need.  Besides the fact that most people don’t want to think or talk about needing life insurance, many of us simply don’t understand how much coverage we need--- or the potentially devastating effects of inadequate coverage. The good news is that in the Internet age you don’t need your father’s insurance agent to give you the answers.  You can find out for yourself by going online to a place like this to give you some quick and easy life insurance lessons.  First, if there is anybody depending on your income, you definitely need life insurance.  It can pay for a child’s college education or your mortgage. Secondly, figuring out how much coverage you need is as easy as clicking on an insurance calculator, answering a few questions about your finances and getting a recommended amount.  This section will help you determine how important life insurance might be to your full financial picture.