A: You  decide  how much term life insurance you want by figuring out your financial responsibilities. Typically, you need two to ten times your annual salary in term life insurance, depending on the number of dependents you support and the amount of debt you have. Then funeral cost can be exspensive and leaving you loved one behind in the mannr in which they have come a custom to living. After that then you can fill out a quick form on this website and with a click of the mouse have several rates to compare.