"I have life insurance at work" is what I hear all the time. You need to ask yourself if it's enough. Sure $100,000 seems like a lot BUT what does it cover?? Is it only a pay out if you die? There are all kinds of options (aka: "riders") that include living benefits. The big shock to me was to plan for 10x your income is ideal. Did I just shock you too?! Check out this article to learn how much you need.