Death in Service Value Checker
Check whether your workplace benefit leaves a shortfall.
Enter your benefit details
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Death in service value checker guide
WeCovr's death in service value checker helps UK employees compare workplace cover with 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 highlights potential gaps in employer-only protection.
What this death in service checker shows
The calculator compares your employer’s multiple of salary against the amount you estimate your family would need. It highlights any gap that may require personal life insurance.
Workplace cover varies by employer and usually ends when you leave the job.
Uses salary multiples to estimate workplace cover.
Compares against a user-defined target amount.
Shows a potential shortfall in plain terms.
Why employer cover might not be enough
Employer policies are not portable and often cannot be written in trust. If you change jobs or become self-employed, the cover may end.
Why WeCovr supports personal protection
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 employer benefit structures and general protection planning concepts for context only.
Work cover vs personal cover
| Cover type | Portability | Flexibility | Best for |
|---|---|---|---|
| Death in service | No | Limited | Basic employer protection |
| Personal life cover | Yes | High | Family protection |
| Combined approach | Yes | High | Maximizing total cover |
Related WeCovr resources
FAQs
What is death in service cover?
It is a workplace benefit that pays a lump sum, usually a multiple of salary, if you die while employed.
Does death in service cover end if I leave my job?
Yes. In most cases the cover is linked to your employment and ends when you leave.
Can I top up death in service cover?
Yes. Many people use personal life insurance to fill any gap.
Can death in service be placed in trust?
Usually no. Personal policies can often be written in trust for faster payouts.
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