[poundwise]

I believe in term life insurance, however, I would all-but-completely ignore the usual recommendations from insurers and agents. They aren't exactly fair estimators. I often hear the figure of 10x your annual income. For most people, I think that's nonsense unless your spouse is, and will be, completely reliant on your income.

I think its a good idea to have enough to cover any of your 'final' expenses, pay off any debts and the house, and supply some cash based on perceived need.

Don't get caught up in getting the most you can afford or providing for absolute worst-case-scenario. Get a good amount and then focus on taking care of your present finances to make your bank and investment accounts as healthy as possible.

Another consideration, put all of your wishes in writing (will, etc.) and, if you are the one who takes care of the finances in the household, make sure you provide adequate information to your spouse to sort it out as easily as possible. This is just as important as the money. If your husband/wife just lost you, they don't need hassles.