3. The Internet offers many calculators to help con- sumers estimate their needs for various financial services. When using these tools, you must remem- ber that they are usually sponsored by financial intermediaries that hope to sell you products. Visit one such site at www.finaid.org/calculators/ lifeinsuranceneeds.phtml and calculate how much life insurance you need. Do you have another life insurance policy? Use the calculator to see if that policy is large enough.