Premium equalisation calculator

Our calculators work out premium equalisation between business partners. If partners hold equal shares in a business, you may expect each to pay the same, but if one partner is older than the other, that may not be the fairest approach. 

Also, premium equalisation is an HMRC requirement for premiums to be approved as commercial arrangements.

Important points

  • This calculator is for adviser use only
  • The output is purely for illustrative purposes and is based on the information and figures you provide. Aviva accepts no responsibility for errors, inaccuracies, omissions or inconsistencies in the output or for any decisions or actions taken as a result
  • The calculator works for up to 8 partners. All fields are required. If Critical Illness is included in the policy, a maximum sum assured of £3 million applies for Critical Illness without Total and Permanent Disability (TPD) and £2 million if TPD is included

Enter partner details

All fields are required. If Critical Illness is included in the policy, a maximum sum assured of £3 million applies for CI without TPD and £2 million if TPD is included.

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Partner 1


Partner 2