Before making any decision about income protection, life or specified illness cover we recommend that you speak with a Financial Broker who can make a detailed assessment of your financial needs and advise if you are eligible for cover. The risk check calculator is designed to show you why you need protection cover. This should not be regarded as a substitute for financial advice.

The statistics used by the risk check calculator give a reasonable guide to the average likelihood of one of the described events happening based on a large number of people. However, Aviva also recognise that individually everyone is unique and as such, the results should be used as a rough guide and preferably talked through with a qualified financial broker.

The calculator results give the probability of one of the described events happening between the current age and the chosen retirement age - between 55 and 70 years of age. The longer the period of time until the chosen retirement age, the higher the percentage chance of something happening and therefore, the higher the calculator results will be.

If two people are selected, the results given are for the couple, with the probability of the described events happening either to one person, or both assuming independent lives. The probabilities for each person in the couple could be based on different periods of time depending on the current age and chosen retirement age entered to determine the period of calculation.

The probabilities have been calculated using our interpretation of industry available statistics combined with our own experience. They are based on the insured population rather than the general population. The income protection probabilities are based on the member being at least three months out of work and are based on our most common occupation class.