This is dependent upon your budget and what you are looking to insure against (insurable interest). Factors such as your annual salary, mortgage liability and your dependants will all contribute to the amount of cover that you can be insured for. An ideal place to start is often to look at covering your major liabilities such as your mortgage. If you protect your mortgage so your loved ones can pay off the debt if you die, it is one less thing for them and you to worry about.

After this, it is worth asking yourself how your family would cope financially if you were no longer there. After the mortgage would they be able to cope financially without your income to the household?

If not, then it is worth looking at family income benefit or additional life cover to ensure they are fully supported for a number of years; often until children reach an age of independence, or your partner reaches retirement age. Everybody's circumstances are different and arranging your insurance can often be a matter of opinion, rather than any hard or fast rules. Whilst you can review prices on price comparison sites, it is worth speaking to an insurance advisor who can help you determine how much insurance is practical for your needs.

You can call us on 0800 567 7450 or if you would like more information on Life Insurance click here.

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