The length of cover required will depend on your circumstances and what you are wanting to protect. You may need to cover a specific debt such as your mortgage, you would then link the amount and term of cover to the amount and term of your mortgage. You may need to provide an income for your family until your children are no longer dependent on your income, you may decide to link the term of your cover to the age of your children. Your adviser at Bennison Brown will be able to advise what cover is best for your circumstances