What is adequate life insurance?

It is based on your debt, which includes Mortgage and credit card, also it takes into concideration your income and who you would be benefiting when you die. Will your family members be able to live without your income, so you have to comfortably replace that. If you have any children, taking care of their schooling, or child care must also be taken into concideration. Speak with a reputable Life Insurance agent and I am sure that can explain in more detail.