A more thorough life cover estimate using the DIME method: Debt, Income replacement, Mortgage, and Education.
Debt (non-mortgage) + Income replacement (annual income × years until retirement) + Mortgage balance + Education fund for children, minus existing savings/life cover already in place.
Illustrative estimate only — actual premiums and payouts depend on the insurer's underwriting, medical checks, and policy terms. Always get a quote directly from a licensed insurer.