Free tool
How protected are you?
Move the sliders to match your life. We’ll estimate what your family might need if you died, fell seriously ill or couldn’t work, and how much of that you already have. Nothing is saved or sent.
Your estimate
Illustration onlyWorking it out…
Life cover need—
Critical illness need—
Income protection need—
Suggested income protection waiting period: 4 weeks
How we worked this out
- Life: your mortgage, plus 60% of your income for each year until your youngest turns 21 (or three years for a partner with no children), plus about £5,000 for final costs. We count existing cover and half your savings.
- Critical illness: two years of income plus a quarter of the mortgage, giving room to recover. We count half your savings.
- Income protection: 60% of your income each month, a typical maximum. Savings and long sick pay reduce the gap.
This is a simplified illustration to help you think about your cover. It isn’t financial advice, a recommendation or a quote. The right amount for you depends on your full circumstances, which we’ll go through with you.
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Want a figure you can rely on?
The calculator gives you a ballpark. A ten-minute conversation turns it into a recommendation, with real prices from leading UK insurers.