Search our Insurance Phone Book Directory to find Life Insurance Listings and get Instant State & Nationwide Matches!               Do You Really Need Life Insurance? If you are like most people you probably feel that you have at least some responsibility for those who depend on you.  At Insurance PhoneBook.com we feel that we have a responsibility to help our customers make some conscious, deliberate decisions about their family’s future, rather than leaving their future to chance and good luck.  Life insurance can provide those who depend on you with a lifetime of financial security. How Much is Right for You? Many people have trouble figuring out how much life insurance is right for them.  It’s important to buy enough coverage so your family is taken care of, but you shouldn't overpay for insurance you may not need.  At Insurance PhoneBook.com, our trusted advertisers are committed to recommending the appropriate amount of coverage for you. What About Rules of Thumb? Some have recommended following a “rule of thumb” method which is simply based on a multiple of your annual income.  Since everybody’s financial situation is different, there is no “rule of thumb” that can tell you with any degree of certainty how much life insurance you should own. You may have also considered buying only enough life insurance to cover a mortgage or other outstanding debt. While mortgage life insurance will pay off your mortgage, it will not provide a dependable income for your family. What Type of Insurance is Right for You? There are two basic types of life insurance available on the market today, Term Life Insurance and Permanent Insurance.  Which one is for you?  It may depend on how long you need the coverage for.  If you have a temporary protection need, Term Life Insurance may be appropriate.  If you expect to need life insurance for a longer duration, even for your lifetime, then you should consider Permanent Life Insurance.