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Risk Reality Calculator

Only 1 in 10 of us have long term financial protection in place, use the LV= Risk Reality Calculator to identify the chances of needing financial protection.


In case you’re wondering how the results are calculated

The LV= Risk Reality Calculator gives a guide of something happening to you up to a certain age. It doesn’t reflect the chances of something happening at any given point in time. It’s generally accepted the older you get, the higher the chance of something happening to you which would stop you from being able to work.
The statistics used by the LV= Risk Reality Calculator are based on a large number of people and give a reasonable guide to the average likelihood of one of the described events happening. However, we also recognise that everyone is unique, so the results should be used as a rough guide and preferably talked through with your qualified Mortgage & Protection Adviser.

The results give the probability of any one of the three described events happening between your clients current age and their planned retirement age which they’ve selected on the calculator (between ages 55 – 70). The later they retire, the higher the chance of something happening, and this will be reflected in their personalised risk report.
The results are given separately for each person, as well as a combination if two people are included. For the combined results for two people, the probabilities for each person are based on different periods of time, depending on their current age and the retirement age they’ve selected on the calculator. It’s assumed that the chances of something happening to each life are not linked (the lives are independent).


Source: LV=, County Gates, Bournemouth, BH1 2NF, UK

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experts discussing
experts discussing
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experts discussing

With 19 branches located all around Northern Ireland, you’re sure to find a local The Mortgage Shop near you! Come down and pay us a visit for all your mortgage needs.

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Important information

The Mortgage Shop (NI) Limited undertakes credit broking and is not a lender. Think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage. Typically we do not charge a fee for mortgage advice, however if we do, depending on your circumstances, it will be a maximum of £250. You may have to pay an early repayment charge to your existing lender if you remortgage.