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Tools and calculators

Protection calculators for advisers

  • Personal protection calculators
  • Business protection calculators

Personal protection calculators

Deadline to Breadline calculator

An income and outgoings calculator to help assess your client’s financial security.

Download Deadline to Breadline calculator XLSX file: Download Deadline to Breadline calculator XLSX size: 271 KB

Decreasing term calculator

See how much your clients could receive in the event of a claim.

Download Decreasing term calculator XLSX file: Download Decreasing term calculator XLSX size: 115 KB

Direct debit calculator

Find out when your client’s direct debit will be collected to help them stay in control of their monthly finances.

Go to Direct debit calculator Go to Direct debit calculator

Income Protection Benefit calculator

Work out your client’s maximum monthly benefit and stepped benefit options based on their current salary.

Download Income Protection Benefit calculator XLSX file: Download Income Protection Benefit calculator XLSX size: 157 KB

BMI rating tool

Shows how your client’s premium could increase due to their BMI.

You will need to login to OLP Connect to use this tool.

Go to BMI rating tool Go to BMI rating tool

Risk reality calculator

An odds calculator to show the probability of certain life events happening to your client.

Go to Risk reality calculator Go to Risk reality calculator

Reinstate direct debit tool

Use if your client's premiums are in arrears or their direct debit has been returned. Just input their policy number and account details.

You will need to login to OLP Connect to use this tool.

Go to Reinstate direct debit tool Go to Reinstate direct debit tool

Personal protection trusts

An interactive tool that helps you explain, advise and set up a trust for your personal protection clients.

Go to Personal protection trusts Go to Personal protection trusts

 

 

Business protection calculators

Relevant Life Plan calculator

Calculate the potential saving for your clients if they pay for life cover through a Relevant Life Plan, compared to a non-Relevant Life Plan.

Download Relevant Life Plan calculator XLSX file: Download Relevant Life Plan calculator XLSX size: 47 KB

Business value calculator

Assess the potential value of a business and the potential total amount of cover needed.

Download Business value calculator XLS file: Download Business value calculator XLS size: 101 KB

Key Person calculator

Work out the value of a key person and the amount of cover needed in the event of their critical illness or death.

Download Key Person calculator XLS file: Download Key Person calculator XLS size: 81 KB

Executive Income Protection calculator

Work out the maximum cover levels for executive and personal income protection, and compare the costs.

Download Executive Income Protection calculator XLSX file: Download Executive Income Protection calculator XLSX size: 174 KB

Premium equalisation calculator

Use to even out differences in premiums between partners/shareholders, usually due to differences in health and age.

Download Premium equalisation calculator XLS file: Download Premium equalisation calculator XLS size: 96 KB

Business protection trusts tool

Use if your client's premiums are in arrears or their direct debit has been returned. Just input their policy number and account details.

Go to business protection trusts Go to business protection trusts
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