[skittles]

I think the better message is to think about what would happen if you or your spouse died or couldn't work. There isn't a one-size-fits-all plan. Someone with a $500,000 mortgage, $50,000 in other loans, and no real nest egg needs more than your recommendation. Someone with a spouse that makes a good income, has very little debt, and having a substantial nest egg may not need any life or disability insurance. The key is to be realistic with your situation.