I'm a financial adviser with $2.5 million of term life insurance. I know it seems like a lot, but there are 3 reasons I think it's just right.

Courtesy Jeff Rose As a financial adviser, it's my job to remind people that life insurance may need to replace their income for decades if they die young. If you only have employer life insurance coverage or a smaller policy of $100,000 or even $250,000, chances are you don't have enough. Also note that you may need to buy more life insurance as your family grows and your income increases over time. Fortunately, you can easily purchase additional term life insurance policies to suit your goals....