Our deathwish process has been designed to help you work out what you want to happen when you die, they are not currently legally enforceable.
In reality, what will happen is that your legal next of kin will receive a lump sum of your total payout and it's up to them to decide how it is used.
It's entirely up to you to decide how much payout you want, we are not allowed to guide you in any way on this, and neither would we want to, it's a very personal thing. Our view is that it's better to have some life insurance, than none at all because you're not exactly sure how much you 'should' have. So don't stress too much about getting things exact. If you're the type who needs to know everything exact, then we would suggest our product is probably not for you.