The online calculator is our best tool which you can choose and find the correct coverage which you need, we have made some points for you through which the calculation will be much easier for you to calculate the coverage which you require:-
For tax-investment we would recommend you to keep 5% for calculation.
Per child, education number should be kept as $10,000-$15,000.
For Funeral cost keep the number like $15,000
The inflation rate should not be more or less than 3%