it all depends on your age , if you have kids ,their ages etc...look at what it would take to raise them , school etc if you`re not around...if they are of age = working etc....all you need ins for is to make your other half happy if/when you go....

I have $50k on my wife...will take care of funerals etc...we have $150 k on me....I used to have $500k whole life.....then as kids got older we used some of the money paid in that was in the 'bank acct'.....
my 0.02 is ,its all about the kids....or who you want to help out when youre not around! Dont have too much so it becomes a money bag for someone you made beneficiary , you may end up in an 'accident'...lol

of course the kids can have an inheritance this way too...