If you are the breadwinner, you will want to keep your family in something like the style to which they have become accustomed. If you are a carer, then you will want to provide cash for professionals to take over because you are not around.

We believe it is either enough to produce around two thirds of your earnings or £20,000 for professional care each year. We also recommend a minimum £150,000 of life cover per new born child.

To work it out exactly for your individual circumstances, click here for our life cover calculator .

Until your dependents are old enough to look after themselves. We believe that 20 years is about right for most people. Or until your savings can provide for you and your partner. We think by the time you are 60 years of age should be sufficient.

Now you have worked that out, what is next? We believe the rest of your questions can be answered from the selection at the top of the page.

You choose.