This calculator will help you determine what sort of life insurance you may need in order to protect you and your family. It is most suitable for people who work for a living, and neither have enough savings to live on, nor do they want to end up on State Benefits.

It does not give a quote for cover, for that you need to contact us, but it does indicate some potential shortfalls in your present cover.

With regard to cost, the good news is that most people in reasonable health are surprised at how affordable cover is, so please do ask us to quote.

What you should also think about is whether or not you have other existing life cover, and find out how much, and other what circumstances it might pay out. For example many employers provide life cover to staff - in terms of a lump sum in the event of death, and / or an income of some type for the surviving spouse/family.

Your annual earnings

Liabilities that may need covering:-

Protect your income in the event of long term illness or disability (1)

What is your current level of Income Protection Insurance.? (2)

Ensure yourself a financial breathing space in the event of suffering from a critical illness.

What is your current level of Critical Illness Insurance , EXCLUDING any insurance related to your mortgage?

Protect your family in the event of your death. (3) .

What is your current level of Family Income Benefit policies?

Age of youngest child. (Put 0 if further children planned) (4)

Protect your mortgage. (5)

What is the size of your mortgage?

Existing Life Insurance for Mortgage:

Existing Critical Illness for Mortgage:

Protect your business. (6)

Size of maximum business liabilities:

Existing Life Insurance for Business:

Existing Critical Illness for Business

The above calculator is designed for guidance only and advice relating to any of these areas should be sought from your Financial Adviser.

Last updated on June 16, 2006