Life Insurance Planning Guide
There is no single figure that fits every household. Start with the people, commitments and time period you want to protect, then discuss the options with an adviser.
Use the questions below to prepare for an adviser conversation. This guide does not calculate a recommended amount or provide an instant quote.
YOUR PLANNING FRAMEWORK
Plan what you may need to protect
These prompts help you prepare for a conversation. They do not calculate a personalised cover amount.
People
Consider a partner, children or others who depend on your income or care.
Commitments
Look at a mortgage or rent, household spending and other debts, alongside savings and existing cover.
Time
Think about when each need could change, such as the end of a mortgage or children becoming independent.
For more detail on cover amounts and existing resources, read the full guide. It explains the questions without producing a recommended sum.
Ask about life cover
Tell us what you want to protect and an adviser can discuss possible next steps. The online journey starts an enquiry for follow-up, not an instant quote or policy purchase. Availability, premiums and terms depend on insurer assessment.
