The monthly amount your family would still need after other reliable income. Exclude payments for debts and education included below.

Choose 1–60 years. Consider when children or other dependants may become financially independent.

Outstanding mortgage and other debts you want to clear as a lump sum.

A separate allowance for future goals. Do not include expenses already counted in monthly support.

Funeral, estate administration and other immediate costs you want covered.

Only money that can actually fund these needs. Exclude the family home, money reserved for other goals and policy values already included in life cover.

Death benefits available to your family. Exclude health, critical illness and accident-only benefits; check whether employer cover will continue.