Perhaps think about the number of years you want to cover your dependents for and multiply it by your annual salary.

If you have a mortgage, have a look at your latest statement to find out what your outstanding balance is. It's the amount you still owe your lender.

Do you have any repayments that come out of your bank account each month, such as credit cards, loans or store cards? Add the outstanding balances together.

If you already have some form of life cover in place, you can reduce the amount you take out. For example, does your employer offer 'death in service' cover? We'll remove this from the cover amount you require.