Do the Math Yourself

You have gathered your personal information and are sitting down to do some calculations. Your annual income is the amount your survivors will need to maintain their standard of living. This total should cover: mortgage or rent, repairs for home maintenance, household items, insurance and taxes and any home improvements that might be needed. Auto insurance, as well as health insurance, clothing, food, utilities, auto maintenance, child care, entertainment and recreation and any other expense that is not listed here.
If you were to die, your dependents would have your spouses salary, investment income, social security benefits but insurance proceeds should not be included here.  If you then deduct the first list from the second, that number will be the amount they will need to have a comfortable life without you.
Now you know how much your survivors will need, now you need to know how much you can afford. Take time to ask your insurer how they calculated their rates so you can get the best coverage for your needs. Rates will for sure vary from insurer to insurer, to shop around, take time to understand all the terms that are used in the descriptions of insurance. Your broker should be able to answer all your questions.