When Americans were surveyed about which TV dads need the most life insurance, Tony Soprano came out way ahead of Mike Brady. But, according to Marshall Loeb's MarketWatch column, that's based on an erroneous assumption. How much life insurance you need really has nothing to do with how dangerous your job is. Loeb's column offers some tools for figuring out your family's financial requirements, which are what actually determine the level of coverage you need. Read about life insurance from Freelancers Union.