Coverage Leverage Calculator

See how much cover you get for every unit of premium paid over the term.

Educational estimate only. Not insurance, financial or legal advice.

What this tool answers

See how much cover you get for every unit of premium paid over the term. It runs entirely in your browser, so nothing you enter is stored or sent.

Cover amount divided by total premiums paid over the term.

Is a higher multiple always better?

It shows value for money, but suitability and insurer strength matter too.

Does it include investment value?

No. It suits term policies without cash value.

Written and reviewed by Zain Shah, Founder and Editor. Updated October 2026. How we write.

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