Tools · Protection

Work out the financial gap before thinking about a policy.

Start with what you would want the money to do — clear borrowing, replace income for a period and cover other family needs — then compare that with cover and savings already available.

What this is useful for

Getting clear on the financial problem you want protection to solve before comparing products.

What it does not decide

Whether life cover, critical illness, income protection or a combination is suitable, affordable or available to you.

When a professional helps

When you want advice on product type, term, ownership/trusts, underwriting, exclusions and the appropriate level of cover.

Illustrative planning only. This tool does not account for inflation, tax, state/employer benefits, pensions, survivor income, policy trusts, underwriting, medical history, premium affordability or product suitability. Do not treat the calculated gap as a recommendation to buy that amount of cover.