Five Signs You Do Not Have Enough Life Insurance Coverage

You bought a small policy through work years ago and have never reviewed it. Group coverage usually caps out at one or two times your salary, which is rarely enough to cover a mortgage and raise kids.

Your mortgage is larger than your death benefit. If your family would lose the house, the policy isn't doing its main job.

Your income has grown but your coverage hasn't. A policy sized for a $45,000 salary doesn't fit a household now bringing in $95,000.

Your kids are still young. The years between newborn and college graduation are the most financially exposed period of most families' lives.

You haven't reviewed beneficiaries since a major life event. Marriage, divorce, a new baby, or a death in the family all warrant a quick beneficiary check.