If you ask your Life Insurance agent how much insurance you need, can you really expect a conservative answer? So we will help you calculate what your family would need should you or your spouse pass away. Also, help you get a clear idea of what expenses and debt you should cover with life insurance. We'll discuss the different types and how you should structure the insurance. Scott Birmingham, CFP, ChFC, CLU, CAP with newly 20 years providing financial advice to clients.