I’m currently 40, and my existing 20-year term policy for $250,000 will expire at age 53. I also have about $100,000 in coverage through my employer, which I would lose if I switched jobs. My partner is disabled, unable to work, and we have no children or other dependents. My insurance agent gave me a quote for an additional 30-year, $250,000 term life policy but it costs 2.5 times my current premium. How do I determine how much life insurance I need? -Randy You seem to be putting this in the right conte ...