This should be common knowledge (but, unfortunately, isn't.) A primary breadwinner should carry at least 10x his family's annual living expenses in term life i

This should be common knowledge (but, unfortunately, isn't.) A primary breadwinner should carry at least 10x his family's annual living expenses in term life insurance coverage. Once the size of his retirement accounts exceeds this, he can start thinking about reducing the insurance. Both will pay directly to beneficiaries in the event of his death.