Life insurance calculators
Free, simple tools that show an estimate on screen, based on the figures you enter.
What cover costs
Compare quotes from a panel of UK insurers
- Quick 3 step process
- 60 second form
- Free quotes, no obligation
Getting the most from the calculators
The calculators are designed to give you a quick, realistic starting point. They use the figures you enter along with simple, widely used rules of thumb — such as replacing your income for the years your family would rely on it.
They can’t account for everything. Things like your health, future salary changes, inflation and how you’d like the money to be used can all affect what’s right for you. Treat the result as an estimate rather than a final answer.
When you’re ready, a broker can review your figures with you and compare quotes from a panel of UK insurers — free and with no obligation.
Calculator questions
They give an estimate based on the figures you enter. They’re a good starting point, but your real needs depend on your full circumstances. A broker can help you check the numbers.
No. The calculators work in your browser and don’t ask for your name or contact details. You only share details if you choose to request a quote.
It’s worth reviewing your cover after big life events — buying a home, having a child, changing jobs or paying off debts.
Related pages
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Level term life insurance
The payout stays the same for the whole term.
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Whole of life insurance
Lifelong cover and how it differs from term cover.
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Over 50s life insurance
Guaranteed acceptance for ages 50–85, and what to check before you buy.
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Mortgage life insurance
Match your cover to your mortgage and protect your home.
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Critical illness cover
A lump sum on diagnosis of a serious illness your policy covers.
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Income protection
A monthly payment if you can’t work due to accident or illness.
