“It’s important to compare your current policy with any new policy you might buy.
Keep in mind that you may be able to change your current policy to get benefits you want. Also, know that any changes in your health may impact your ability to get a new policy or the premium you’ll pay. Don’t cancel your current policy until you get the new one.
Also, while you may have free or low-cost life insurance through your employer, the death benefit usually is less than you need. And if you leave the employer, you may not be able to take this coverage with you.” – National Association of Insurance Commissioners (NAIC), Life Insurance Buyer’s Guide.
You can also use the “Life Insurance Needs Calculator” that can be found by clicking on this webpage :