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read moreBurial insurance or final expense life insurance provides permanent coverage, level premiums and accumulates cash value. Another feature is small whole life insurance policies available from $5,000 to $25,000, allowing each insured to tailor a burial policy to meet his or her needs. A death benefit is payable upon the insured's death. This type of whole life insurance protects your loved ones, while providing final expenses. Issue ages are from 0 to 85! Ever wondered how much the average funeral and burial costs?

read moreA Rough rules of thumb suggest an amount equal to 6 to 8 times your annual earnings. However, there are other things to consider when determining how much life insurance you need. Important factors include: income sources (and amounts) other than salary/earnings; whether or not youre married and, if so, your spouse's earning capacity; the number of people who are financially dependent on you; the amount of death benefits payable from Social Security and from an employer-sponsored life insurance plan, whether any special life insurance needs exist (e.g., mortgage repayment, education fund, estate planning need), etc. Talk to an insurance adviser for a precise calculation of how much life insurance you need.