The gap score tool works by taking the information you provide—your income, debts, mortgage, dependents, and future goals—and running it through industry-standard formulas used by licensed financial professionals across the United States. The result is a realistic estimate of how much life insurance your family would need if something happened to you today.

Your gap score isn't a diagnosis or a sales pitch. It's a starting point for understanding your actual protection needs. Some people discover they're already well-covered. Others find they have a significant gap. Either way, you'll have clarity.

Once you have your score, you can decide what to do next. Many people book a consultation with one of our advisors to discuss their options and find the right policy. Others use the information to shop around. The choice is entirely yours.

If your situation is straightforward—single income, standard mortgage, a few dependents—the gap score will give you a solid number to work with. If you have a business, significant assets, or complex family circumstances, an advisor can dig deeper and provide a more thorough analysis.

The tool also considers mortgage protection as part of your overall coverage strategy. If you want to explore mortgage-specific options in more detail, we have a dedicated calculator for that as well.

After you receive your score, you'll understand what your family would need to maintain their lifestyle, pay off the mortgage, cover education costs, and handle any outstanding debts. This clarity helps you make informed decisions about your protection.

Many families find that once they see their gap score, the next step becomes obvious. They either feel confident they're covered, or they recognize the need to act. Our advisors are here to help with the latter—to explain your options, answer your questions, and get you covered without the hassle.

Your data is encrypted and secure throughout the process. We don't share your information with anyone, and there's no obligation to proceed. You're in control.

The gap score is designed to be quick and accessible on mobile, so you can complete it whenever it suits you. Most people finish in five to ten minutes.

If you have questions about your results or want to discuss your specific situation, you can book a free consultation directly from your results page. Our advisors will review your gap score and help you understand what it means for your family.

Some people use their gap score as a starting point for conversations with other advisors or brokers. That's fine. The important thing is that you have the information you need to make a decision that works for your family.

Remember, your gap score is based on the information you provide. If your circumstances change—you get a promotion, pay off your mortgage, have another child—your gap score will change too. You can always come back and recalculate.