Life Cover Calculator

Please answer the following questions to determine how much cover you may need

Note: please read important information and input figures ONLY to the boxes below

How much income would your family wish to receive each year if you were to die (ignoring any mortgage payments)? Please enter the amount here

Do you have any uninsured debts, e.g. mortgage or credit cards which will not be paid off in the event of your death? If yes, enter the amount of debt that won't be repaid on death here

Do you already own any life cover plans (excluding any mortgage related plans) which will pay out a lump sum to your dependants if you were to die? If yes - enter the total lump sum amount here

Do you have any other plans that will pay a regular income to your dependants if you were to die? If yes - enter the gross total amount expected each year here

If you were to die today, how long will your dependants need an income provided for (e.g. until your youngest child reaches age 18)?

Ready to apply? Call us on 0845 272 8810

Mon - Thurs:	9am - 8pm
Fri:	9am - 6pm
Sat:	9am - 1pm

Standard Life Client Management advises on, and sells products from, subsidiaries of Standard Life plc and some external providers.

If you'd like something explained then hover over the symbol for more details.

Important Information:

After allowing for figures entered into the calculator for existing life cover provision and any debts which will not be paid off in the event of death we calculate any shortfall in the income that you stated you require.

We've assumed that the income your dependants need will rise each month in line with inflation and will be paid at the start of each month.

These calculations assume an Inflation Rate of 2.5% a year and a Capital Return Rate of 5% a year.

The amount of life cover required has been calculated to provide you with the income you stated you need, for a period not exceeding the number of years you stated you require cover for. The figures provided by this calculator are for illustrative purposes only and do not allow for any charges or expenses of providing the life cover.

This is not a recommendation or advice. It is only a guide to the amount of life cover you may need and the actual amount of cover required may be less or more than indicated.

Before buying a product you need to be aware of the risks and commitment involved. Details are available in the Key Features Document.

WARNING: If you are unsure of any of your answers you should call Standard Life Direct* on 0845 272 8810 or alternatively speak to your financial adviser.

Standard Life Direct is provided by Standard Life Client Management Limited

*Standard Life Client Management advises on, and sells products from, subsidiaries of Standard Life plc and some external providers

Important Information about calls
Call charges may vary. Standard Life may record and monitor telephone calls to help improve customer service.

This web site is intended for the information of residents of the United Kingdom.

Standard Life Assurance Limited (SC286833), Standard Life Client Management Limited (SC193444) and Standard Life Savings Limited (SC180203) are all registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life Investments Limited (SC123321) and Standard Life Investments (Mutual Funds) Limited (SC123322) are both registered in Scotland at 1 George Street, Edinburgh EH2 2LL. All companies authorised and regulated by the Financial Services Authority.