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UK Life Insurance Calculator
Pre-filled with typical UK figures — change them to yours.
UK Life Insurance Calculator
DIME method
£1,053,000
10× income rule
£800,000
15× income rule
£1,200,000
Lump sums − assets
£253,000
HLV = present value of the income your family needs until your chosen age (at the real return after inflation) + debts, mortgage, education and final expenses − savings and existing cover. Term insurance is the cheapest way to buy this cover. An estimate, not financial advice.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Cover by income (UK)
- £25k income: £650,000
- £40k income: £850,000
- £55k income: £1,100,000
- £70k income: £1,300,000
- £85k income: £1,550,000
- £100k income: £1,750,000
Estimates built on public formulas and published limits — not a quote and not financial advice. Premiums depend on the insurer’s underwriting.