Life insurance isn’’t fun to buy. It forces you to think about your death: a subject many prefer not to (36) ___________. But there’’s a single, overriding reason to buy life insurance: to provide an income for your (37) ___________ should you die. Don’’t depend solely on an agent to (38) ___________your life insurance needs. Rule-of-thumb (39) ___________such as five or eight times your income are guesses: they may produce too little or too much insurance. Carry too little insurance and you may not provide a reasonable (40) ___________of living for your family after your death; carry too much and you may not enjoy a reasonable standard of living while you’’re (41) ___________.
Most people who have life insurance don’’t have enough. The median amount of (42) ___________for all adults with life insurance was only 15,000 pounds in 1984. That’’s obviously not enough to (43) ___________a family with young children for very long. Nationwide Insurance found that (44)___________________________; they needed about 100, 705 pounds more. Married women carried about 43,516 worth insurance but needed some 98,507 pounds more.
(45) ___________________________ First, figure what your family’’s expenses would be if you died tomorrow. Then, (46)_______________________ Finally, subtract the assets from the needs. The result is the amount of additional insurance that you’’ll need to buy.