Please don't tell me the only life insurance you have is the $50,000 or $75,000 offered at work?

I am an estate planner with experience in insurance of all kinds & annuities. Witnessing folks after saying to me, "Jay, of course I have life insurance in case something happens." Only to find out after they pull that policy out of the basement that the life insurance they thought they had is a group policy from their employer. A person who is the primary wage earner in the family needs 8-10 times theamount of their salary to pay off debt, for final expenses, help their family maintain their lifestyle (to include the kids college funds), and more. Let me ask you this, do you think $50,000 or $75,000 will do the trick?

http://www.foxbusiness.com/personal-finance/2011/10/24/do-need-supplemental-life-insurance/