Cover Finder

Which Insurance Do I Actually Need?

Answer five quick questions about your circumstances and we will show you which types of cover are worth talking through, and why. No sign-up, no details required, and nothing is saved.

Start the Cover Finder
Question 1 of 520%
Would anyone struggle financially if you died?

For example a partner, children, or a relative you support.

Simple Process

How the Cover Finder works

1

Answer five questions

About your dependants, debts, work and savings buffer.

2

See what fits

A prioritised list of cover types, each with a reason.

3

Talk it through

Carry your selections into a free callback, if you want one.

What this tool does not do

Being clear about the limits matters more than being clever. The Cover Finder points you at the right conversation. It does not replace one.

  • It does not quote a premium or tell you what cover would cost.
  • It does not consider your medical history, which affects both eligibility and price.
  • It does not recommend a specific insurer, product or policy term.
  • It is not a personal recommendation, and it is not regulated advice.

Life Insurance Calculator

Once you know life cover is relevant, work out roughly how much you would need.

Open tool →

Income Protection Calculator

Estimate the monthly benefit you would need if you could not work.

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FAQ

Cover Finder FAQs

Common questions about working out which protection insurance you need

How do I know which insurance I need?
It depends on who relies on your income, what debts you have, how you work, and how long you could manage without earning. The Cover Finder walks through those questions and shows which types of cover are commonly relevant in your situation, with a plain-English reason for each. It is a starting point for a conversation with an advisor rather than a personal recommendation.
Is the Cover Finder financial advice?
No. It suggests which types of cover are worth discussing based on your circumstances. It does not assess your budget, medical history, eligibility or the suitability of any particular policy, and it does not recommend an insurer or product. A UK-based, FCA-regulated advisor can give you a personal recommendation on a free callback.
Do I have to give my details to use it?
No. The Cover Finder does not ask for your name, email or phone number, and your answers are not saved or sent anywhere. If you choose to request a callback at the end, your selections are carried over to the form so you do not have to enter them twice.
Can I need more than one type of cover?
Often, yes. Many people hold a combination, because different products solve different problems. Life insurance pays out on death, critical illness cover pays a lump sum on diagnosis of a listed condition, and income protection pays a monthly income while you are unable to work. The Cover Finder shows them in a sensible order to talk through.
What happens after I get my results?
Nothing automatically. You can read about each type of cover on its own page, or request a free callback and talk it through with an advisor. There is no obligation to buy, and no charge for the callback or the advice.