Some factors to consider:

 - How much do you make?
 - What other costs will you leave behind?
 - What stage of life are you and your dependents in?
 - Are the premiums worth it?

If you are the primary source of your household's income, your dependents and beneficiaries will be using the insurance payout in place of your salary as they adjust their lives. How much they will receive should be enough for them to pay down debts associated with your funeral expenses, continue making mortgage payments, and carry on with day-to-day living.  This transitional period could last several years. When planning, you should discuss this with your (emotionally mature) beneficiaries, and plan out what the aftermath would look like now, and in yearly increments down the road, to obtain an estimate of how much would be best in different scenarios. Young people will eventually finish school and enter the workforce, needing less money eventually. They may have aspirations for college, another calculable cost. Older dependents may have increased medical or other care expenses later on, requiring a larger sum than they do presently.

After developing an estimate of the needed payout, compare the benefits from several sources. Many employers offer life insurance at a discounted rate to employees as an added benefit. Although it is an additional expense in the short term, it is usually small, and will give peace of mind to you and your loved ones. *Memento Mori*.
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