How to Figure Out How Much Life Insurance You Need

And, learn about the hidden costs of selling a house. Created for {EMAIL} | [Web Version]( August 15, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] INTRODUCTION [] [Stepping Into Retirement on a Cruise Ship]( If you like the idea of all-inclusive resorts, you might love the idea of an all-inclusive retirement aboard a luxury cruise ship. This vessel has all of the bells and whistles of a cruise with the addition of an onboard hospital and pharmacy. Kiplinger personal finance writer Erin Bendig tells you [how to sail across the globe and have lifetime access to a guaranteed Oceanview Villa for a flat fee](. - Donna LeValley, personal finance writer [6 Things Not to Do When Selecting a Financial Advisor]( Working with a financial advisor can be a great first step to helping make sure you're on track to reach your retirement goals. But choosing the wrong one could wreak havoc. Check out these 6 things not to do when choosing a financial advisor, so you can work to potentially avoid years of stress. [See the list]( ADVERTISEMENT [] LIFE INSURANCE [] [How to Figure Out How Much Life Insurance You Need]( [How to Figure Out How Much Life Insurance You Need]( (Getty Images) Standard formulas, such as buying coverage equal to eight to 10 times your annual income, aren’t always appropriate to determine how much life insurance you need. You will be much better off taking a systematic approach to figuring out your life insurance needs. Read on to [learn how to estimate how much life insurance is appropriate for you and your family](, and how to adjust the number to reflect your circumstances. [] TRAVEL TIPS [] [The Best (and Worst) Airports for Early Bird and Red-Eye Flights]( [The Best (and Worst) Airports for Early Bird and Red-Eye Flights]( (Getty Images) We don’t always have options regarding which airport can be used to reach our desired destination. But sometimes we do, and that’s why I’m excited to learn [which airports are best for early birds and red-eye flights]( — because I avoid flying in the middle of the day if I can help it. Traveling off-peak usually translates into less traffic around the airport, shorter waits at security checkpoints and empty seats onboard to take advantage of. These airports score some extra perks for those who travel while others sleep. [Hands Down One Of The Best Credit Cards Of 2024]( Getting a new 0% intro APR card could help ease the pressure while you pay down your balances. Experts identified this top credit card that is perfect for anyone looking to pay down debt and not add to it. You can also earn up to 20,000 miles after spending just $500 on purchases in the first 3 months! [Learn More]( ADVERTISEMENT [] COST OF SELLING YOUR HOME [] [The Hidden Costs of Selling a House]( [The Hidden Costs of Selling a House]( (Getty Images) At some point, lower mortgage rates should translate into higher buyer demand. And that will be good news if you’ve been waiting to sell your home because you don’t want to trade your lower mortgage rate for a higher one. Here's a [look at all the hidden costs of selling a house]( so you can set the right price and be prepared to sell when the time comes. [You don't have to be famous to tell your story]( Have you ever thought about the impact your life could have on future generations of your family? Sharing your life story in your private memoirs captured in a beautiful set of handcrafted books is a wonderful way to leave a legacy that your loved ones will cherish. Call (844) 399-0426 today. [Learn More]( ADVERTISEMENT [] OTHER KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Wait, my homeowners insurance limits what?]( Knowing what your policy covers and what it doesn’t will help prevent any undue surprises in case of a loss. [If you're the millionaire next door, you may be a terrible spender]( Good job on all that great saving. Now you need to start spending some of that hard-earned retirement savings on the things you love. [The 25 biggest US IPOs of all time]( The biggest IPOS in U.S. history include a major chipmaker, a ride-hailing firm and a handful of global telecoms. [Sign Up for Kiplinger's Free Tax Tips E-Newsletter for Money-Saving Tax Planning and Compliance Advice]( ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](concat('mailto:',$brief_feedback_email)) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036