Dear Harry: For many years, my employer has provided us with group term life insurance. It appears now that they will terminate the plan on Aug. 31, 2012. That means that I'll have to buy my own. Their insurance company is offering us continuing coverage at our present level and a 2 percent increase in the premium for the next five years. They sent a rep to speak with us, and he suggested that I really need more insurance to protect my family fully. The company has some kind of computer program that gave him an answer in less than a second. Is there some way that I can check out his numbers?