How much life insurance do you need

Life Insurance Calculator

Use this life insurance calculator and get free life insurance and critical illness insurance quotes HERE (On clicking the link you will be leaving this site and we are not responsible for the information that appears on the site you are now about to enter)


Life insurance and critical illness cover is used to replace your income should you die or suffer a serious illness. It can ensure that your family will be adequately protected in your absence or incapacity. To determine how much life insurance you should have, you must determine how much money your family will need in the many years that follow.  
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Outgoings
Normal monthly household living expenses: - council tax, utility bills, supermarket bills, insurances, car expenses, holidays, tuition fees, leisure etc
Funeral expenses - (at least 1000)
Taxes - Inheritance tax threshold for 2004 - 2005 is 263,000 Net assets total more than this will be taxed at   40%
Mortgage and other loans - Best to get these cleared  - enter as one amount to clear the balance
Tuition expenses - College/University  per yr
Other expenses - Enter any other expenses you may wish to cover i.e. school trips, house deposits, weddings
Income
Spouse's Income - Enter your spouse's annual income after taxes (If you intend for your spouse to not have to work again enter "0".
Income from the state i.e. widows pension
Other Income - Enter the total annual income your spouse will receive from any other sources.
Other Information
 Enter the number of years until your youngest child reaches age 18. If you have no children enter 0 here.
Spouse's age - Enter your spouse's age.
Existing Life Insurance - Enter the value of any existing life insurance policies you have.
Click this button to calculate the total amount of life insurance you need.
Total Life Insurance - This is the total amount of life insurance you need.

(On clicking the link below, you will be leaving this site and we are not responsible for the information that appears on the site you are now about to enter)

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