One second you're here and the next second you're gone. Protect your family! Call us for a quote, or message us, or request a quote on our website before it's too late: 757-238-9575 or https://jdauvilinsuranceandfinancial.com Why You Need Term Life Insurance Dave Ramsey says, "Term life insurance is part of a good defensive game plan." How much life insurance do I need? You need 10–12 times your yearly income in term life insurance. When that money is invested well, your family can live comfortably on the return of that investment. For many people, a 20-year term is just right.