Getting a life insurance plan is a very smart and well-informed decision. Life is unpredictable, so everyone needs a safe back up plan that they can rely on, not just for themselves but for their families as well. Choosing a life insurance plan must be done very carefully, keeping all factors and criteria in mind. What are your regular expenses? How many members are under your immediate care? These are some of the questions you need to be asking when you need to decide how much insurance coverage you need. Professionals can also help you with this calculation.