This really depends on your needs and circumstances. As your needs change over time, you can change your level of cover.
For example, if you have another child or buy a bigger house, your needs might increase.
Alternatively as you save money or earn more over time, your needs might decrease.
Habito Life Insurance allows you to select the amount of cover you'd like. We default the amount of cover to your mortgage amount for simplicity. This means that if you were to die, the payout would cover the balance remaining on the mortgage.