The first in the "How much series" I have often been asked the question " How much is enough" in reference to the amount of life cover that is needed. I normally answer in this way. If the cover is for the protection of your loved ones and those for which you are responsible either legally or emotionally, then the cover amount should at the very least, be sufficient to replace your income. That is to say the capital sum that your beneficiaries receive, should, be invested with the investment