Clarity has several shortfall calculators – retirement, income protection, critical illness, life cover and long term care.

Each of them goes much further than the usual calculators, most of which work on a simple basis of “20 x salary” for life cover, or “2/3 salary” for income protection.

Clarity takes the view that a client’s existing insurances and protection policies should be considered carefully, as well as taking into account their existing wealth. For example, the old “10x salary” rule for life cover is utterly irrelevant if the client has considerable wealth elsewhere.

As with most other pages, analysis results as depicted in graph for as well as numerically, greatly assisting clients’ understanding of their own position.