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The Hartford Courant, Conn., Money Talk Column.

By Matthew Lubanko, The Hartford Courant, Conn. Knight Ridder/Tribune Business News

Feb. 28--CALCULATE YOUR NEED FOR LIFE INSURANCE: QUESTION: I am 38 years old, with a spouse and two children. How can I estimate how much life insurance I might need -- if I were to die -- to protect my family? And what type of life insurance should I buy -- term or whole life?

--R.N., Chicago

ANSWER: To measure your life insurance needs, start with a few basic questions.

How much financial support do you need to leave behind?

How much f

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