Getting life insurance can seem so complicated?

I'm 31 and have one child and don't really have a good clue about life insurance.

I do have an active life insurance policy for the two of us (2 policies actually) each for $10,000 and one for $25,000.

Is this enough? Do I need to drop one? Just doesn't seem to make sense to keep both of them. Or does it?

The amount of life insurance coverage and policies you own depends on your life insurance needs, and your own personal situation.

What do you want the life insurance to accomplish? Do you want to provide money for your son that would replace your income if you die, and provide money to support your son and send him to college?

To simplify things, first define what you want your life insurance to do for you.

Once you know that, you can say, is this enough money to accomplish the goal? Is there a more cost effective way to reach the goal, than life insurance?

You can use a life insurance calculator to find out how much life insurance you really need. You answer some basic questions and it gives you an accurate estimate of your life insurance needs.

In addition, term life insurance provides the lowest priced coverage. You may want to protect your son with 20 or 30 year level term life insurance which has guaranteed level rates and coverage for the entire term of your life insurance policy. That way, your son has the protection he needs until he is grown up, and you get the best price.

Here's how you can get free, instant term life insurance quotes and compare up to 12 of the lowest rates from over 70 leading life insurers in just minutes.

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