Health risk calculator

How at risk are you? We all like to think it won't happen to us. But here you can see the likelihood of illness, injury or death before your retirement age.

Protect yourself and your loved ones

If you’re concerned about your results, protection products can give you some much needed peace of mind.

Income protection

There's always the chance you could end up out of work due to illness or injury. Income protection acts as a financial safety net. You’ll get monthly benefits, so your income is always covered.
Find out more

Critical illness cover

While you can’t predict when you might fall ill, you can give yourself peace of mind with critical illness cover. It provides a tax-free lump-sum payout if you're diagnosed with a serious health condition.
See how it can help

Life assurance

Looking to secure your family’s future? Taking out life assurance could help you leave behind more than just your legacy. Your loved ones will receive a tax-free lump sum payment if you die.
Discover life cover

What are these calculations based on?

The calculator is based on historical data for subsets of the population and is therefore intended only as a rough guide. Data used to calculate the probability of each life event is as follows:

Being unable to work due to long-term sickness

These probabilities are based on IP11 income protection tables published by the Institute and Faculty of Actuaries.

Being diagnosed with a critical illness

These probabilities are based on the AC16 diagnosis rate tables for accelerated critical illness policies, published by the Institute and Faculty of Actuaries. It is important to note that accelerated critical illness policies provide a benefit payment on diagnosis of a critical illness as well as on death. As a result, they provide a slightly higher probability than if only a diagnosis of a critical illness was being considered.

Death

The probabilities for dying are based on the 16 series mortality base tables for assured lives, published by the Institute and Faculty of Actuaries. These industry rates are based on the experience of people who own insurance policies.