If I die tomorrow, how many years can my family maintain their lifestyle without working?
Ideal Answer-Forever for spouse and if you have children then till they are independent.
If I stop working, how many years can I maintain my lifestyle?
Ideal-Atleast one year. If you can do that for more than 10 years you have really achieved financial freedom
If I or my family members are admitted to the hospital how much money can be funded through Insurance?
Ideal Answer-All of it in most cases.
If your answer does not match the IDEAL mentioned above then it is suggested you take a hard look at your Financial Situation.