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Life Insurance Calculator

How much life cover do I need? Let's find out shall we…
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Protect the life you love

Free expert help to find your perfect cover

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What’s the ‘right amount’ of life cover?

It’s different for everyone. To figure out the ‘right amount’ of cover for you, you’ll want to factor in your outstanding debt, your family commitments (now and in future) and what you can afford to spend each month in premiums.

Our calculator will help. And after you calculate the ‘right amount’ of cover, give us a call (or leave your details we’ll call you) so LifeSearch can search the market for policies that match what you’re after.

FIRE UP THE CALCULATOR!

Plug in your commitments to understand what cover's good for you.

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Any mortgage left to pay?

How much have you left on any current mortgages in your name

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Loans, credit cards & other debts

Total up all the non-mortgage debt you have: loans, credit cards, overdrafts and any other borrowing

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Potential funeral costs

The average UK funeral costs between £4,000 and £5,000. If you have expensive tastes or a massive family, it may be more. Worth thinking about.

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Childcare, school or higher education costs

You’ll know your childcare, private school or tuition fee obligations. But did you know it costs roughly £1,500 - £2,500 per year to fund one child through state school? There’s sports, activities, after school clubs, uniforms, travel expenses, technology (such as a laptop or iPad) to consider.

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Additional lump sum

Life insurance covers your obligations and debt. A lump sum on top offers extra comfort and options for your family after you’ve gone

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Existing life insurance, savings & investments

Total up any savings, investments and life insurance policies that you intend to keep. When you die your savings go towards your debt anyway - so it’s important you’re not ‘over-insured’. That’s just a waste of money.

Your total cover estimate:

£ 0

Let us find the best cover for you!

Get advice & quote

Not sure about your calculation? We can help you choose the cover level to suit you with free advice here.

Remember, this only estimates how much you might need to help you make your decision.

Since 1998, happy LifeSearch teams have protected more than 700,000 UK families

  • Fee-free expert advice, free support services
  • We hunt the market: insurers you know and some you don't
  • We advise, we search, but you decide
  • Multiple winners; Protection Review & Money Marketing Awards
  • Trustpilot ‘Excellent’ year after year from thousands of reviews
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...from one of our friendly, award-winning team.

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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.