What kind of life insurance coverage do you have, and do you feel it is adequate?

My father died when I was very young, leaving my mother unemployed with four kids under six. He didn’t have life insurance, so that was one thing I promised would never happen to my children. If anything, I’d say I might have too much.”

- Rose Z., 61
Rochester, N.Y.

There was a long time when I thought I didn’t need life insurance, since I was single and didn’t have any dependents. I didn’t get married until much later in life, so my wife and I started discussing it then, especially since she has two children from a previous marriage. When the kids were still minors, we each took out policies. They’ve grown up now, but I still think my coverage is just right. If anything happens to me, my wife should be financially set.”

- Ron L., 60
Pierre, S.D.