How much term insurance cover do you really need?
Risk level
Low
Typical returns
Pure protection - no maturity value
Key points
- Start with 10-15x your annual income
- Add outstanding loans and big future goals
- Disclose health history honestly to avoid claim rejection
- Buy early - premiums rise with age
A simple income-multiple method, plus what to add for loans and goals.
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How it works
Replace this section with your explanation, a worked example and a comparison table. Keep numbers sourced and dated.
OptionGood forWatch out forOption ABeginnersChargesOption BLong horizonsVolatility