When shopping for life insurance, be sure to include such factors as the burial costs, hospital bills, any unpaid debt and of course, your home mortgage. Another thing to add in is your annual income, especially if you are the main breadwinner. 

When getting your life insurance rate think about how many years of your income your family would need.

For example, if you have three young children and your wife has been a stay at home mother for 6 years, she may need at least four years of school to be able to make as much as you were making, so it would be a good idea to get at least six years worth.