Underwriters Thumb Rule, Life insurance need is a multiple of annual income depending on the age(see below)
| Age | Worth of life insurance |
| 20-30 | 15 x annual income |
| 31-40 | 14 x annual income |
| 41-45 | 12 x annual income |
| 46-50 | 10 x annual income |
| 51-55 | 8 x annual Income |
| 56 Upward | 6 x annual income |
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