Insurance Coverage Assessment
Score your insurance coverage across life, health, income protection, home, car, business, travel, and critical illness.
Last updated: March 2026
📊 This is a live demo. Insurance brokers embed this tool — visitors assess their coverage needs and you capture their risk profile as a qualified lead. See plans →
↑ This is exactly what your website visitors see when you embed this tool. The only difference: their results are gated behind an email capture form, and every input is sent to your CRM.
What is Insurance Coverage Score?
An insurance coverage assessment evaluates your total insurance protection across 8 policy types — life, income protection, critical illness, home buildings, home contents, private medical, personal liability, and family income benefit — to identify dangerous gaps that leave you financially exposed. Each area is scored and the total reveals your overall protection level.
The Formula
Score = Sum of (Category Score) across 8 insurance types, each rated 0-10
Worked Example
A 35-year-old with a £200,000 mortgage, two children, and household income of £55,000 assesses their coverage.
- Life insurance: £150,000 policy — below recommended £550,000 (4/10)
- Income protection: None in place (0/10)
- Critical illness: None in place (0/10)
- Home buildings: Full rebuild cover (9/10)
- Home contents: £20,000 cover — below estimated £35,000 value (5/10)
- Private medical: Employer scheme in place (7/10)
- Personal liability: Included in home policy (5/10)
- Family income benefit: None in place (2/10)
📌 Total coverage score: 32/100 — critically underprotected. The absence of income protection and critical illness cover leaves the family exposed to the most statistically likely risks: 1 in 4 workers experience long-term illness before retirement.
Why This Matters
Financial protection for family
If the main earner dies or cannot work, the family needs income to continue. Life insurance covers death, but income protection covers the far more likely scenario of long-term illness or disability.
Mortgage protection requirement
Most lenders require buildings insurance, but life insurance covering the mortgage balance is equally essential. Without it, a surviving partner must repay the mortgage from savings or sell the family home.
Long-term illness probability
1 in 4 workers will experience a period of long-term illness before retirement. Without income protection, statutory sick pay of £109 per week is the only safety net — insufficient to cover mortgage payments alone.
Common Mistakes
❌ Relying on employer sick pay alone
Most employers pay full sick pay for only 3-6 months. After that, income drops to statutory levels. Personal income protection pays until retirement age regardless of employer changes.
❌ Underinsuring contents by 50% or more
The average UK household contains £35,000 of possessions, but most policies cover £15,000-20,000. A room-by-room inventory reveals the true replacement cost and prevents shortfalls in claims.
❌ Not reviewing cover after life changes
Marriage, children, house moves, and salary increases all change insurance needs. A policy taken out at age 25 is almost certainly inadequate by age 35. Review annually and after every major life event.
Industry Benchmarks
| Category | Good | Average | Poor |
|---|---|---|---|
| Life cover need | 10x annual income | 5-10x | Below 5x or none |
| Income protection | 60-70% of gross salary | 50-60% | None or employer only |
| Contents value | Full replacement (£35K+ average UK) | £20-35K cover | Below £15K cover |
Source: Association of British Insurers Consumer Research
Benchmark data sourced from Association of British Insurers Consumer Research.
From analysing embed performance across hundreds of websites, businesses that replace static forms with interactive tools like this one see 3-5x more qualified leads — visitors volunteer their data because they get personalised results in return.
One of the most common mistakes we see when working with clients: relying on employer sick pay alone. Most employers pay full sick pay for only 3-6 months. After that, income drops to statutory levels. Personal income protection pays until retirement age regardless of employer changes.
Embed This Scorecard on Your Website
Every visitor who uses your embedded scorecard becomes a qualified lead. Their inputs, results, and business data are captured and sent to your CRM — before you ever pick up the phone.
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