Before you buy Life insurance, complete a personal balance sheet.
Find the total of your liquid savings (Assets that can be turned to cash immediately. Real estate and collectibles are not liquid assets.).
Subtract your debts and funeral expenses that must be paid within 90 days of your death.
That is the amount of the minimum (base) Life insurance you need.
If your desire is to replace your income to your surviving loved ones, pay inheritance taxes, set up a scholarship for a child or make a donation to charity at your death, add the correct amount of Life insurance that is needed to that base.