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Calculate your cover

If you have children, you might want to leave some money behind to take care of them until they’re independent. This could be when they're 18, or older if they decide to go to university.

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Think about what costs your family may have when you die. This could be anything from regular bills to funeral costs.

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The amount you still owe on your mortgage is the number you may want to include here.


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There might be small loans or other debts that need to be taken care of. These could include credit card bills or car repayments. 

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This could be life insurance you have with your employer or other cover that you’ve taken out. If you have some cover in place already you might not need as much Family Life Insurance. We’ll remove this figure from the total.

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Life Insurance can be confusing and figuring out how much cover you actually need can be a difficult task if you don’t know where to start. The first step to working out how much cover you should take out is deciding what you want it to be used for. You can use our handy life insurance calculator to do this. All you have to do is put in the numbers below and we’ll do the rest.


Depending on your age, you can take out up to £750,000 of Family Life Insurance. You might also want to include Children’s Cover and Critical Illness Cover for extra peace of mind. If you would like to find out more about your suggested benefit amount, you can call us on 0800 977 6984

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Get a quick quote for Family Life Insurance today

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You can apply for the following benefit amounts depending on your age at the time of your start date: aged 18–44 - £750,000; aged 45–54 - £400,000; aged 55–59 - £250,000; aged 60–64 - £150,000