Life Insurance Needs Assessment
The pre-advice fact-find: dependents, obligations, existing cover, and gaps.
5 questions · 1 page · about 3 minutes to answer · fully editable after you start
Life cover conversations start awkwardly and this assessment does the awkward part in private: household and dependents, income and the years it must be replaced, debts that would outlive the earner, existing cover through work or policies, and the concern prompting the enquiry now.
For advisers it arrives as a structured fact-find that makes the first meeting advisory rather than interrogative; for customers it converts a vague worry into a sized, discussable need.
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Page 1
Your protection picture
This assessment asks who depends on you and what they would need if you were no longer there. It gives you and your adviser a starting point for choosing cover. It takes about 3 minutes. If you need help with a specific policy or claim, please contact us directly, as this form may not be read straight away. Please do not include card numbers or passwords.
Q1.Who depends on your income?*
- Partner and children
- Partner only
- Children only
- Parents or other relatives
- No dependents currently
Q2.Roughly how many years would your income need replacing?
- Until children are independent
- Until a mortgage is cleared
- 10+ years
- Unsure - that is why I am here
Q3.Major debts or obligations that would remain (mortgage, loans, education plans)*
Q4.Existing life cover?*
- Through my employer only
- A personal policy
- Both
- None
Q5.What prompted you to look at this now?*
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