There is a simple way to handle it.
Bestselling author and radio personality Dave Ramsey spends a lot of time encouraging people to take control of their finances.
"We realized the other day the one thing missing from our financial picture is life insurance," he continued."We both work outside the home. She makes $60,000 a year, while I make $80,000 a year. At our age, and in our current situation, do you think we should we get 20-year or 30-year level term life insurance policies?"
"Speaking of the future, do you plan on having more kids?" he asked."If you do, you might want to go with 30-year policies. If you've decided two are enough, then based on your present situation I think 20-year policies would work out fine."Ramsey then explained the approach he uses to figuring out how much life insurance people need.
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