Workplace cover isn’t enough
Most employer life insurance pays 2–4× salary. If you have a £300,000 mortgage, two kids, and a non-working partner, that doesn’t come close.
If You Couldn’t Work Tomorrow,
What Happens to Your Family?
Most people have some life insurance through work but don’t know if it’s enough. Fynla calculates the gap between what your family would need and what they’d actually get.
Nobody Wants to Think About This. Everyone Should.
Income protection is forgotten
Only 10% of UK workers have income protection insurance. If you’re off sick for 6 months, statutory sick pay is £116.75/week. Could you live on that?
You’re guessing the number
How much does your family actually need? It’s not just the mortgage — it’s childcare, school fees, daily living costs, and maintaining their standard of living.
Protection gap analysis
Life insurancePartial
Income protectionMissing
Critical illnessMissing
See Your Protection Gap in Black and White
Family Needs Calculator
Enter your mortgage, dependants, living costs, and future obligations. Fynla calculates the total lump sum and ongoing income your family would need.
Existing Cover Audit
Add your current policies — employer death-in-service, personal life insurance, income protection, critical illness. See what you’ve got mapped against what you need.
The Gap, Visualised
A clear visual showing: your family needs this much, your current cover provides this much, your gap is this much. No ambiguity.
Scenario Modelling
What if you die? What if you can’t work for 2 years? What if you’re diagnosed with a critical illness? Fynla models all three.
Cover-As-You-Grow Tracking
Your protection needs change as your mortgage decreases, kids become independent, and savings grow. See how your gap evolves over time.
Action Items, Not Sales Pitches
Fynla tells you the number — not which provider to buy from. We don’t sell insurance. We help you understand what you need.
Protection Planning: Fynla vs The Alternatives
| Feature | Fynla (£8.50–£20/mo) | Comparison Sites | IFA Review (£300–800) | Doing Nothing |
|---|---|---|---|---|
| Calculates your actual need | Yes | No | Yes | No |
| All 3 cover types | Yes | One at a time | Yes | No |
| Shows existing cover gaps | Yes | No | Yes | No |
| Updates as life changes | Continuous | One-off | Annual | Never |
| Independent (no commission) | Yes | No | Varies | — |
| Time to see your gap | 10 minutes | Not applicable | 2–4 weeks | Never |
Frequently asked questions
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No. Fynla calculates your protection gap — we don't sell insurance products, earn commissions, or recommend specific providers.
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Life insurance pays out when you die. Income protection replaces your income if you can't work. Critical illness pays a lump sum if diagnosed with a specified condition. You may need all three.
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Yes. Fynla includes bereavement support payment, child benefit, and statutory sick pay in the calculations. But these are typically far less than most families need.
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Add it in. Most employers offer 2–4× salary. Fynla includes this in your existing cover and shows the remaining gap.
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Absolutely. A dual-income household has a different protection need. Fynla models both scenarios and accounts for the surviving partner's income.
The Number You Don't Want to Need — But Need to Know
It takes 10 minutes to see your family's protection gap. The demo uses sample data so you can explore without entering personal details.