CeMAP Professional - The London Institute of Banking & FinanceCert CII Member - Chartered Insurance Institute
Jay Sabine
CeMAP, Cert CII (MP)
29 Years Experience

Content reviewed: January 2026

CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.

Risk Assessment Tool

Risk Reality Check

Our Risk Reality Check tool helps you understand your personal need for protection insurance. This is the first step to financial security. Our educational risk assessment calculator uses UK statistics to show why life cover, critical illness and income protection matter.

Why Risk Assessment Matters
Most people underestimate their need for protection. This tool helps you understand how age, lifestyle, and health factors affect your risk profile.
Education, Not Prediction
This tool provides educational guidance based on general population trends. Your individual circumstances may vary significantly.
Take Control
Whatever your risk level, protection insurance provides peace of mind and financial security for you and your loved ones.

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.

Calculate Your Personal Risk
Answer a few quick questions to see your statistical risk profile

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.

Ready to Protect What Matters?

Understanding your risk is the first step. The next step is getting the right protection in place. Our expert advisers can help you find comprehensive cover that fits your circumstances and budget.

Next Steps: Choose Your Protection

Life Insurance
Protect your family's financial future

A lump sum paid to your loved ones when you die. Covers debts, mortgage, and provides financial security.

Critical Illness
Financial support during serious illness

Tax-free lump sum if diagnosed with a covered critical illness. Helps with debts, medical costs, and recovery.

Income Protection
Replace your income if you can't work

Monthly payments (up to 70% of income) if you're unable to work due to illness or injury.

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