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Life Insurance Calculator Get Your Free Quote

Life Insurance Calculator Understanding how much cover you need

Quick & Easy
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Expert Brokers
Aviva
Legal And General
Zurich
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Calculate Your Cover

A step-by-step approach to working out your needs.

Step 1: Debts

Add up your mortgage, loans, and other debts. This is your starting point.

Step 2: Income

Multiply your annual salary by the number of years your family would need support.

Step 3: Future Needs

Add education costs, childcare, and other future expenses you want to cover.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

1

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

2

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

3

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Life Insurance Calculator FAQs

Common questions about calculating your cover.

Add up your mortgage balance, any debts, 10 years of income for your family, childcare costs, and funeral expenses. Subtract any existing cover or savings. A broker can help with this calculation.
A common rule of thumb is to insure 10 times your annual salary. This gives your family roughly 10 years of income replacement, enough time to adjust financially.
Yes, unless you already have a separate mortgage life insurance policy. Include the full outstanding balance to ensure your family can stay in the home.
Average UK funeral costs are £4,000-6,000. Including this in your calculation ensures your family is not left with unexpected expenses during a difficult time.

Know How Much Cover You Need?

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Life Insurance Calculator

Work out how much life insurance cover you might need.

£
£

e.g., children's education, weddings, home improvements

£

Average UK funeral costs are around £4,000-£6,000

£

Your estimated life cover need

This is an estimate based on the figures you entered

Ready to find out how much this cover could cost?

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This calculator provides an estimate only and does not constitute financial advice. Your actual cover needs may vary based on your individual circumstances.