Life insurance can offer vital protection for your family if the worst happens. So how do you work out whether you should have it, what policy to get, and how much cover you need?
The first thing you need to decide is if you need life insurance at all. This should be relatively simple. If you have financial dependants such as children or a partner, then you probably need life insurance. If you are single and without children, you probably don’t need life insurance, as no one is reliant on your income.