5% - What do you want to know?

Step 1 of 7

14%

What's your name?*
When were you born?*
Date Format: DD slash MM slash YYYY
Are you male or female?*
- Male
- Female
Have you smoked in the last year?*
If you have used any nicotine products in the last 12 months, please select "yes" even if it's just occassionally. This includes e-cigarettes and any other form of nicotine product.
- Yes
- No
Tell us about your service*
- I'm a Regular
- I'm a Reservist, full time
- I'm a Reservist, part time
- My partner is in the Armed Forces
What is your employment status?*
- Employed
- Self employed
- House person
- Retired
- Full time carer
- Not currently working
What is your main occupation?
Occupation
How old will you be when you retire?*
We've entered your state pension age. Please update this if you're planning on retiring earlier.
Please enter a number greater than or equal to 0.
Who is in your family?*
Select all that apply
- Just me
- My partner
- Children that live with me
- Children that don't live with me
- Relatives I care for

How many children do you have that are financially dependent on you?*
Enter a number between 1 and 9.

How old will your children be when they are financially independent?*
We've assumed children should be financially independent by 23 years old. You can change this is if you wish.
Please enter a number greater than or equal to 0.
Child 1's age?*
Please enter a number greater than or equal to 0.
Child 2's age?*
Please enter a number greater than or equal to 0.
Child 3's age?*
Please enter a number greater than or equal to 0.
Child 4's age?*
Please enter a number greater than or equal to 0.
Child 5's age?*
Please enter a number greater than or equal to 0.
Child 6's age?*
Please enter a number greater than or equal to 0.
Child 7's age?*
Please enter a number greater than or equal to 0.
Child 8's age?*
Please enter a number greater than or equal to 0.
Child 9's age?*
Please enter a number greater than or equal to 0.

Do your children go to private school?*

Would your children’s education be impacted by your death?*
- Yes, they would have to leave their school
- Maybe, this could be a problem
- No, they could continue
educationYesMaybe
- true
Are school fees the same for each of your children?*
- Yes
- No
How much are your child's annual school fees?*
Please enter a number greater than or equal to 0.
Your children's annual fee*
Please enter a number greater than or equal to 0.
Child 1's annual school fees*
Please enter a number greater than or equal to 0.
Child 2's annual school fees*
Please enter a number greater than or equal to 0.
Child 3's annual school fees*
Please enter a number greater than or equal to 0.
Child 4's annual school fees*
Please enter a number greater than or equal to 0.
Child 5's annual school fees*
Please enter a number greater than or equal to 0.
Child 6's annual school fees*
Please enter a number greater than or equal to 0.
Child 7's annual school fees*
Please enter a number greater than or equal to 0.
Child 8's annual school fees*
Please enter a number greater than or equal to 0.
Child 9's annual school fees*
Please enter a number greater than or equal to 0.

Are you planning to support your children financially through university?*

If you were to die, would it affect the financial support you were planning to give to your children?*
- They would not receive support
- Maybe, this could be a problem
- No, support would be provided
What support were you planning to contribute towards the costs of university?*
- Tuition fees
- Living expenses
How much financial support were you going to provide towards tuition fees?*
Tuition fees in England are £9250 per year. Your country might be different.
Please enter a number greater than or equal to 0.
How much financial support were you going to provide towards living expenses?*
According to Which living costs are typically £8124 per year. Adjust to your requirements.
Please enter a number greater than or equal to 0.

If you were to die, maintenance payments to your previous partner would stop. Would this impact the wellbeing of any of your children?*

Yes, this would be a problem
Maybe, this could be a problem
No, they would be fine

How much is your monthly maintenance payment?*
Please enter a number greater than or equal to 0.
How many years until you stop paying?*
Please enter a number greater than or equal to 0.

Do you own a property with a mortgage?
- Yes
- No
showMortgage_justMe
- true
Where does your family live?*
- Armed Forces Accommodation
- In the house I own with a mortgage
- In the house I own without a mortgage
- Private Rental

If you were to die, your family would have to leave your married quarter. Would the cost of future accommodation be a problem?*
- Yes, this would be a problem
- Maybe, this could be a problem
- No, they would be fine
ForcesAccommodationProblem
- True
Where would your family live?
- In the house we own with a mortgage
- They would need to buy a house
- They would need to rent a house
How much would your family need to buy a suitable house?*
How much do you think they would need to pay the rent each month?*
rentCoverTermSelectorForces
- runTermSelect
and how long would you need cover for?*
- Until the children leave school
- Until the children leave university
- Until the children are financially independent
- Until my retirement age
Would your family stay in Armed Forces accommodation?
- Yes, my partner would stay in the Forces
- Maybe, my partner might stay in the Forces
- No, my partner would leave the forces
Do you own a property?
- Yes
- Yes, with a mortgage
- No
armyAccommodation_askMortgage
- True
armyAccommodation_askRental
- True
Would your family lose their home if you were to die?*
- Yes, this is a real possibility
- Maybe, this could happen
- No, they would be fine
showMortgage_family_mortgaged
- True
showRental_family_privateRenting
- True
What do you need your cover to do?
- Provide enough money to buy a house
- Ensure rental payments are covered
rentCoverTermSelector
- runTermSelect
How much would your family need to buy a suitable house?*
Please enter a number greater than or equal to 0.
How much are your rental payments?*
Please enter a number greater than or equal to 0.
How long would you need cover for?*
- Until the children leave school
- Until the children leave university
- Until the children are financially independent
- Until my retirement age
How much do you have left to pay on your mortgage?*
Please enter a number greater than or equal to 0.
How many years until you finish paying for your mortgage*
Please enter a number greater than or equal to 0.
What is the interest rate?
Don't worry if you don't know
Please enter a number greater than or equal to 0.
What is the repayment basis?*
Capital repayment means that you will own the house at the end of your mortgage. Interest only means you are only paying the interest and at the end of your mortgage, you would need to make a lump sum payment to own the house.
- Capital repayment
- Interest only

If you died, do you have any debt that would reduce the amount of money you could leave your family?*
- Yes, I have debt
- Maybe, this could be a problem
- No, I don't have any debt

How much debt do you have?*
Think about all the different types of credit you may have such as loans, credit cards and car finance etc.
Please enter a number greater than or equal to 0.
Within how many years do you expect to pay this off?*
Please enter a number greater than or equal to 0.

If you died, would there be a financial impact on your family’s ability to do all the things they normally do?*

Yes, their lifestyle would be affected
Maybe, this could be a problem
No, they would be fine

lifeStyleYesMaybe

True

How much would your family need a month if they didn't have your income?*
Please enter a number greater than or equal to 0.
How long will your family need support for?*
- Until the children leave school
- Until the children leave university
- Until the children are financially independent
- Until my retirement age

Would you like to leave an inheritance for someone?*

Yes, I would like to do this
Maybe, this would be a nice thing to do
No, I don't want to do this

inheritanceYesMaybe

True

How much would you like to leave as an inheritance?*
Please enter a number greater than or equal to 0.
How long would you like the cover in place for?*
- Until the children leave school
- Until the children leave university
- Until the children are financially independent
- Until my retirement age

Would your family need to borrow money to pay for your funeral?*

Did you know that according to Sun Life the average cost of a funeral in the UK is £6,332?

Yes, they'd have to borrow the money
Maybe, this could be a problem
No, there would be money available

funeralYesMaybe

True

How much do you need for your funeral?*
We've prepopulated this field. Adjust to your requirements
Please enter a number greater than or equal to 0.
How long would you like the cover in place for?*
- Until the children leave school
- Until the children leave university
- Until the children are financially independent
- Until my retirement age
- For as long as possible
How long would you like the cover in place for?*
- Until my retirement age
- For as long as possible

Would you struggle financially if you were diagnosed with a Critical Illness?*

People with Cancer are, on average, £570 a month worse off because of their diagnosis.

Yes, I would struggle
Maybe, this could be a problem
No, I would be OK

cicYesMaybe

True

How much critical illness cover do you need?*
The cost of cancer is typically £570 a month and you might be off work for up to five years. To ease this financial burden, you could insure youself for £34,000. Adjust to your requirements.
Please enter a number greater than or equal to 0.
How much critical illness cover do you need?*
There are two figures to consider. Your outstanding mortgage and the financial impact of a critical illness. The cost of cancer is typically £570 a month and you might be off work for up to five years. We're showing you the greater of £34,200 and your mortgage. Adjust to your requirements.
Please enter a number greater than or equal to 0.

Would you run out of money if you couldn't work?*
Aviva report that on average their clients are off work for almost 5 years when they claim on Income Protection.
- Yes, my lifestyle and home would be at risk
- Maybe, this could be a problem
- No, I would be OK
Would your household need financial support if you had a long term illness?*
- Yes, support would be needed
- Maybe, this could be a problem
- No, I would be OK
pureIPYesMaybe
- True

What is your annual salary before tax?*
This includes basic wages, bonuses and dividends
Please enter a number greater than or equal to 0.
How many months sick pay do you get from your employer?*
Please enter a number greater than or equal to 0.
What was your NET profit last year?*
Please enter a number greater than or equal to 0.
How many months could you survive without your income?*
Please enter a number greater than or equal to 0.
If you had a long term sickness, how many months could you survive for before you needed financial help?*
Please enter a number greater than or equal to 0.

Do you have any employee benefits?*
- Death in service
- Critical illness
- Income protection
- Not sure
- None
Do you have any existing policies?*
- Life cover
- Critical illness
- Income protection
- Not sure
- None

What's the best number to contact you on?*
We'll give you a ring to discuss your quotes.
And can we get your email address?*
We'll email your quotes if we can't get hold of you on the phone.
To get your results, please agree to our terms of use*
I agree
The outputs of Shouldi should not be taken to be advice and are intended as guidance only. This is because the figures contained may not reflect your circumstances in full. Batsrock Financial Ltd accepts no liability for their use.

If you ask us to help you with your cover, Shouldi will form the basis of our advice to you.

You agree to be contacted via phone and email by one of our advisers.

All information, including personal data, collected during the use of Shouldi will be maintained and protected by Stag Protect in accordance with applicable data protection laws. The personal data you provide will be used strictly for the purpose of providing the advice you have requested, and to provide you with information related to Stag Protect products, services and events. You may opt out of receiving information from Stag Protect at any time by writing to dataprotection@stagprotect.com. Stag Protect will not share your personal data with any third-party partners without your explicit consent. You may access our privacy policy at https://stagprotect.com/privacy.
Advisor Information
Accommodation Details
Living Expenses Details
Private School Details
University Details
Funeral Details
Debt Details
Maintenance Details
Inheritance Details
Critical Illness Details
Income Protection Details

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