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Life Insurance Need

A few relevant questions to consider how much cover you may need to ensure that your 'nearest and dearest' survive financially were you to die.

Work out the costs in the event of your death

Your funeral expenses:

£

Outstanding mortgage:

£

Outstanding loans, bills, etc:

£

Estimated value of your estate*:

£

Are you married to your partner?*

*Unmarried partners must pay 40% Inheritance Tax on estates over £300,000.

Partner's continuing living expenses

Living costs per month:

£

Partner's likely net income per month:

£

Term of cover required:

Years

Your Other Assets

Death in service cover:

£

Endowment cover:

£

Sellable assets:

£

Life Insurance Result:

Total one-off payment:

Partner's income shortfall per year:

Total living expenses:

Total expenses:

Assets and covers:

Total Extra Cover Required:

£ -

£ -

£ -

£ -

£ -

£ -

Please note that these figures are for illustrative purposes only.

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