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What does life insurance cover?
Life insurance is a way of helping your family cope financially when you die. It is intended to provide help to your loved ones when they can’t rely on your salary or income any longer.
The payout can be used to clear debts, pay off the mortgage or just cover everyday expenses. It could even pay for your funeral if you haven’t set anything aside for that.
How much life insurance do I need?
It all depends on your personal circumstances as the amount of cover, also known as the ‘sum insured’ can be different for each family.
Let’s say you are married, have a large mortgage and four children, you are going to need more cover than a single parent with a two bedroom flat with one child.
Most of the time, the recommended amount to be insured is 10 times your annual salary or income. But obviously, you should make more detailed calculations to make sure you are fully covered. ​