In case you need them but all you need to know was already said at insurance.

Peril - The cause of loss.  If probability of loss is high - insurance is too costly.

Things to think about when buying life insurance:

At death - which expenses will drop off?
Which expenses are fixed?
What debt should be paid off?
What debt shouldn't?
How much income would your family need if you were to die tomorrow?
What income will Social Security and your pension provide for a survivor if anything?
How long would you like to provide income for your spouse - or do you want your spouse to have to marry the first looser that comes along just to pay the bills?

Using these factors, do your best to mathematically determine whether you are currently overprotected or underprotected.