Calculators
Work through the numbers before we talk.
Three tools built around published, sourced data rather than guesswork. None of them replace a proper conversation about your own circumstances, but they’re a useful place to start thinking things through.
Indicative cost calculator →
See how published market figures for life insurance and critical illness cover move with age and smoker status, drawn straight from named sources rather than estimated.
Inheritance tax calculator →
Work through the current nil-rate bands against an estate to see whether there's likely to be a bill, and how it's arrived at, step by step.
Life expectancy calculator →
Uses official ONS life table data to show how many people of your age and sex, out of 100, die before the end of a mortgage term of a given length.