# How Much Term Insurance Cover Do You Need?

> Income replacement, liabilities, and education goals in a needs-based formula.

Category: Family Insurance
Read time: 1 min
Source: https://whiteshield.insure/knowledge-centre/term-insurance-cover-calculation.html
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Estimate cover by multiplying annual expenses by years until dependents achieve financial independence. Add outstanding loans and subtract liquid assets.

Review every three years or after major life events—marriage, children, home purchase, or career change.