Life Insurance Calculator | How Much Coverage Do You Need?

Use our free UK life insurance calculator to determine how much coverage you need. Get instant results and personalized quotes from leading providers.

Life Insurance Needs Calculator

Fill in your details to get a personalized coverage estimate

Fill in your details and click calculate to see your recommended coverage amount.

Important

All information is for guidance only. Consider seeking independent financial advice for your specific circumstances.

How Our Calculator Works

Understanding the calculation method

Income Replacement

Calculates how much your family would need to replace your income for the specified years.

Debt Coverage

Includes your mortgage and other debts to ensure they can be paid off completely.

Family Support

Adds additional support for each dependent to cover education and care costs.

Important Considerations

Things to keep in mind when calculating your coverage needs

This Calculator Provides

  • A starting point for your coverage needs
  • Basic calculation based on common methods
  • Consideration of major financial obligations
  • Helpful guidance for insurance shopping
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Professional Advice Recommended

This calculator provides estimates only. Your actual needs may vary based on your specific circumstances, existing savings, spouse's income, and future goals. Consider consulting with a financial advisor for personalized advice.