When buying life insurance its important to think more about how much capital your defendants will need without your income.  This is broken down in two categories:

1)  How much money they will need to satisfy immediate debt or obligations.  Examples of these are mortgages, consumer debt, college funding and funeral expenses.

2) How much future income you defendants will need to sustain living and household expenses.

The calculator below can help you determine these two numbers..

Life Insurance Need Calculator
This calculator will help you to decide how much life insurance you need.

Funeral cost, estate taxes, etc. ($):
Amount needed to pay off mortgage loan ($):
Amount needed to pay off non-mortgage debt (Consumer Debt: credit cards, auto loans etc.) ($):
Amount needed in college fund ($):
Expected average annual living expenses ($):
Expected spouse's average annual income after taxes ($):
Annual Social Security Benefits ($):
Spouse's current age (#):
Value of current liquid assets ($ total of savings, investments, etc.):
Expected survivor's investment strategy:
Life insurance needs:

Now that you know how much you need, see what options will fit your needs.