Finding out what exact capital is as easy as answering three simple questions:
The monthly income you want to guarantee for your spouse and children.
How long you will need this cover for.
Your family's current economic situation: the savings available and financial encumbrances.
The best option is to undertake a full analysis with your insurance broker. They will provide you with a personalised study that will allow you to determine what capital you need to take out to ensure the economic needs of your family are well covered.