Is Your 'Death-in-Service' Cover Really Enough?
Many people rely on their employer's life cover, but it often has significant gaps. Use our analyser to see if your family is truly protected.
Death in service gap analyser guide
WeCovr's death in service gap analyser helps UK employees see how employer cover compares to real family needs, using indicative information prepared by WeCovr, an FCA-authorised insurance broking firm with over 900,000 policies issued across multiple classes of insurance. It shows the size of any shortfall that personal cover could fill.
How the gap analyser works
The calculator compares your total family need against the payout from your employer’s death-in-service benefit. It then shows the potential gap.
Results are illustrative and should be paired with a full needs review.
Uses your salary and employer multiple to estimate the payout.
Compares to your total financial need estimate.
Highlights the gap in a single figure.
Why employer-only cover can be risky
Workplace cover is not portable and may not be enough to cover mortgages, childcare, and long-term income replacement. It also cannot usually be written in trust.
Why WeCovr recommends a personal plan
WeCovr is an FCA-authorised insurance broking firm and has high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references common UK employer benefit structures and general protection planning concepts for context only.
Employer cover vs personal cover
| Cover type | Portability | Trust options | Best for |
|---|---|---|---|
| Death in service | No | Limited | Baseline workplace cover |
| Personal life cover | Yes | Often available | Filling the gap |
| Combined approach | Yes | Flexible | Maximizing protection |
Related WeCovr resources
FAQs
What is a typical death in service multiple?
Many employers offer between 2x and 4x salary, but this varies by company and role.
Why is there often a gap?
Mortgages, childcare, and long-term income replacement can exceed the employer payout.
Can I keep death in service cover if I change jobs?
No. It is usually tied to your employment and ends when you leave.
How can I fill the gap?
A personal life insurance policy can top up your workplace cover and remain in place if you change jobs.
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