Content reviewed: 13 January 2026
Risk Reality Check
Understanding your personal risk of needing protection insurance is the first step to financial security. Our educational risk assessment tool helps you see why protection matters.
Risk Reality Assessment
An educational tool to help you understand general risk factors for protection insurance. Based on UK population health statistics - not a prediction of your individual risk.
Important Regulatory Disclosure
Educational Tool Only: This assessment provides general risk indicators based on age, gender, and smoking status. It does NOT calculate individual statistical probabilities or make predictions about your personal health outcomes.
Methodology: Risk levels (Lower, Moderate, Elevated, Higher) are qualitative guidance derived from general UK population trends documented by the Office for National Statistics (ONS), Association of British Insurers (ABI), and NHS health surveys. These are educational indicators only.
Individual Variation: Your actual risk depends on numerous factors including: specific health conditions, occupation, family medical history, lifestyle choices, existing medications, environmental factors, and genetic predisposition. This tool cannot account for these personal circumstances.
Not Financial Advice: This tool does not constitute financial advice or a recommendation to purchase insurance. For personalised protection assessment and regulated financial advice, please contact our FCA-authorised advisers.
Your Home Finance is authorised and regulated by the Financial Conduct Authority. This educational tool is provided for general information purposes only.
Next Steps: Choose Your Protection
A lump sum paid to your loved ones when you die. Covers debts, mortgage, and provides financial security.
Tax-free lump sum if diagnosed with a covered critical illness. Helps with debts, medical costs, and recovery.
Monthly payments (up to 70% of income) if you're unable to work due to illness or injury.