The right level of cover depends on your mortgage and other debts, household income, number of dependants, childcare costs and any existing savings or workplace benefits. You might estimate the amount needed to repay debts and replace part of your income for a chosen period, while allowing for inflation and future expenses such as education. Check whether decreasing cover could suit a repayment mortgage, or whether level cover is more appropriate for other needs. An FCA-authorised adviser can help you compare options based on your circumstances.