Life Insurance Calculator

Coverage Calculator: We help you estimate how much cover you need based on what matters most - replacing lost income, clearing your mortgage, and paying off debts. Select the categories that apply, and we'll add them up for you.

Family Protection (Level Cover): The payout stays the same throughout the policy. If you claim in year 1 or year 20, the same amount is paid out. Premiums are typically higher than decreasing term.

Mortgage Protection (Decreasing): The payout reduces each year by a set percentage. Often used alongside a repayment mortgage, as the outstanding debt decreases over time. Usually the cheapest option.

Inflation-Linked Cover (Increasing): The payout grows each year, usually to keep pace with inflation. Premiums are typically the highest of the three types, but your cover maintains its real value over time.

These figures are illustrative only. Actual policy terms, premiums, and payouts will depend on your age, health, and the specific insurer.