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Use our calculator to see how much cover you may need

Use our calculator to see how much cover you may need

Our calculator only provides a guide to the things you should consider when deciding on how much life cover you may need and for how long, based on the answers you provide.

Question 1 of 6

What is your monthly income after tax?

This is how much pay you take home after tax each month. We'll use it to calculate how much money your family would need to continue to live without your income.

Please enter an amount
Question 2 of 6

Do you already have life insurance, savings or investments?

We need to know about any existing savings, investments or life cover, including any your employer provides such as death in service. We’ll use this to calculate how much cover you need, so you don’t pay for more than is necessary.

I have existing life insurance, savings or investments Please select an option
Enter the amount '0' if you don't have existing life cover
Enter the amount '0' if you don't have existing savings or investments
Question 3 of 6

How long would you like your life insurance to last?

Consider things like how long is left on your mortgage or when your youngest child will turn 18.

Please select an option
Question 4 of 6

Do you want to cover your mortgage?

Life insurance can be used to pay off the remaining balance on your mortgage. Your most recent mortgage statement will tell you how much you’ve left to pay.

I want to cover my mortgage Please select an option
Please enter an amount
Question 5 of 6

Do you have any other debts?

Tell us how much you owe on credit cards, store cards, loans or other types of finance.

I have other debts Please select an option
Please enter an amount
Question 6 of 6

Would you like to leave a lump sum for your loved ones?

This is how much you'd like to leave as a lump sum. Perhaps think about the number of years you want to cover your dependents for and multiply it by your annual salary. Are you the sole breadwinner of the family? If so, that could also impact how much cover you might need. It could be used to cover funeral costs, unexpected bills or to leave a legacy for your loved ones.

Would you like to leave a lump sum for your loved ones? Please select an option
Please enter an amount

Here's your result

It’s based on the answers you provided. This result is a guide only to help you consider and assess the amount of cover you may need to get your loved ones, home and lifestyle covered financially, in case the unexpected happens.

Your calculation

Based on the information you’ve provided you may need:


This amount of cover will provide for everything you told us about. Please note: we'll only cover you for up to £750,000 **, maximum cover amount offered, which is dependent on your age at the time you apply for cover. Please see below for things you need to know.

Or you might need...

Alternatives based on your answers:


To cover what’s left to pay on your mortgage


To cover your family’s lifestyle or debts

It's important to protect the things that really matter. Life insurance can give you that peace of mind. It's quick and easy to set up. It doesn’t need to be expensive, so why not get a quote today?

Get a quote

Get the right life cover for your circumstances

There’s a range of reasons that people buy life insurance, as well as a number of benefits. We’ve put together life cover guides to help answer many of your questions. Here's a selection.


Milestones in people’s lives are often reasons for them to think about getting a life insurance policy.

For instance, buying a house, getting married and having a child can all make you think that you could do with some extra protection if the worst should happen.

Getting older

You might be feeling that you’ve passed middle age, and you need to make some good provisions for the future.

If you're over 50, then compare our Life Insurance with our Over 50s Life Cover.

Protecting your mortgage

You may want to make sure that your mortgage is protected if you die, or that your family have a lump sum to help them with their finances after you’ve gone.

Whatever the reason, buying life insurance can give you peace of mind and be a cornerstone in a sensible financial plan for your loved ones’ futures.

Get a quote online

It’s quick and easy to get a quote for Post Office Life Insurance online.

Get a quote by phone

Monday to Friday: 9am - 8pm

Saturday: 9am - 5pm

Closed on Sundays and bank holidays

Need some help?

Life Cover help and support

To make a claim, find answers to common questions, access bereavement and wellbeing support or contact us for something else:

Visit our Life Cover support page

Things you need to know

*0330 & 0345: Calls to 03 numbers will cost no more than calling a standard UK number starting with 01 or 02 from your fixed line or mobile and may be included in your call package. Calls may be monitored or recorded for training and compliance purposes.

If you’re a UK resident aged between 18 and 70, you can apply for cover. Our terms and conditions set out further details about the restrictions that apply.

Your cash sum is dependent on your age, smoker status, length and type of cover and your personal circumstances at the time you apply.

Post Office Life Insurance offers up to £750,000 cover, depending on your age, for customers who are UK residents aged 18-70 at the start of the policy. The minimum term is 5 years and cover must end before your 90th birthday. We won’t pay a claim on death if it was as a result of suicide or intentional self-inflicted injury within 12 months of the start date of your policy.

We won’t pay a claim on terminal illness if you don’t meet our definition of terminal illness; or the terminal illness is caused by intentional self-inflicted injury within 12 months of the start date of your policy. The full definition of terminal illness can be found in the terms and conditions.

We won’t pay a claim if you don’t keep your payments up to date as you will no longer be covered under the policy. If you don’t tell us something or give us incorrect answers to our application questions that affects your cover, we may reduce the amount we pay for a claim or at worst cancel your cover and not refund your monthly payments.

Post Office Life Insurance is underwritten and administered by Scottish Friendly Assurance Society Limited. Neilson Financial Services Limited assist in the administration. If you buy Post Office Life Insurance over the telephone or online via the Post Office website, it is arranged and sold by Neilson Financial Services Limited, following an introduction by Post Office Limited. If you buy Post Office Life Insurance online via a price comparison website, it is arranged and sold by the firm that provides the price comparison website services.