Who works out the figures on Cover Gap

Cover Gap is published by Radif Partners, a company that builds free calculators on public data. This site is for people in the United Kingdom who are wondering whether they need life insurance, income protection or a funeral plan, and how much: a parent who has just taken on a mortgage, an employee reading their sick pay policy, a self-employed plumber, someone in their sixties weighing up an over 50s plan they saw advertised.

Why this site exists

Search for life insurance and nearly every page ends in a quote form. Comparison sites ask for a name, an address, a date of birth and health details before any real price. Broker pages print tables of “average premiums by age” with no source. None of them starts from what the state already pays: Statutory Sick Pay, which changed on 6 April 2026, New Style ESA, Bereavement Support Payment, the Funeral Expenses Payment. Yet those amounts decide how big the gap is.

So this site does the opposite. It shows the gap first, with the state’s share taken off, and the odds that a policy ever pays, from the ONS life tables. It shows no price, because we found no source of insurance prices that a website is allowed to republish, and a figure we cannot trace is not one we print.

Where the figures come from

State rates come from the DWP’s published rates for 2026/27 and the GOV.UK guides; tax thresholds from GOV.UK and legislation.gov.uk; death rates from the ONS national life tables. The parameter file cites 20 pages, all read on 7 November 2026. The method page gives every formula and every limit.

What we are not

We are not an insurer, a broker, a comparison site, a financial adviser or the DWP. We do not arrange insurance, we do not recommend a product or a provider and nothing here is a personal recommendation. Whether a policy suits you, and whether an insurer will accept you, are for the insurer or an FCA-authorised adviser. Benefit claims are made only on GOV.UK.

How the site is paid for

It is free and needs no account, no email and no phone number. We sell no policies, take no commission and pass no details to anyone. If advertising is added one day it will never sit above a calculator, and it cannot use what you type, because nothing you type leaves your browser.

Tell us when a figure is wrong

Write to contact@covergap.co.uk with the page, the values you entered and the source you rely on. The editorial policy explains how a correction is made. The site has 21 indexed pages, listed in the footer.

Rates last read on 7 November 2026.