How much life insurance do I need?

In an ideal world everyone would have more than enough life insurance to cover every eventuality, however we understand that you need to make sure it’s balanced against what you can afford. Our life insurance calculator considers the important things in your life you should provide cover for, such as paying off your mortgage and providing for your family. It’s also worth remembering that it’s not just life insurance, there are other covers that can help protect you and your family in the event of long term or serious illness which is why getting expert advice on the best option for you really matters.

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Our life insurance cover calculator

Enter the values above to calculate how much life cover you require

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Important information

We've put this calculator together to help give you an idea of how much life insurance you should consider. However the amount of cover and the type of policy that will be suitable depends on lots of factors such as your age, health and occupation. Before taking any type of policy out you should get a tailored advice by speaking to one of our expert advisers who will guide you through the options available and the likely costs.

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Call our expert
advisers now

Call free from mobile or landline

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Open 7 days a week until 8pm weekdays

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We're here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you're a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We'll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

Representative example A mortgage of £203,295 payable over 23 years, initially on a fixed rate until 28/02/25 at 1.59% and then on a variable rate of 4.99% for the remaining 18 years would require 61 payments of £879.93 and 215 payments of £1,159.14. The total amount payable would be £303,940 made up of the loan amount plus interest (£99,596.47) and fees (£1,049). The overall cost for comparison is 3.6% APRC representative.

London & Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.