Research by the Office for National Statistics found 20 per cent of deaths in a year are people of working age.
'Protection Planner' is designed to illustrate to clients what impact sudden death would have on their dependents.
It would show how long income would last for and how much capital would be needed to cover desired income over a set period.
This is based on a client's assets, liabilities, income, expenditure and any life cover they have in place.
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Advisa Centa provides Financial Planning tools to help advisers understand uncertainty about the future of their investments.
Joanna Hall, sales and marketing director at eValue, said: "Bereavement is a delicate subject for advisers to broach and unfortunately it is something that is likely to touch a number of people during their working lives.
"Protection Planner enables advisers to demonstrate their ability to highlight a potential financial crisis. It will give them the insight needed to quickly engage their clients and practically show them how they can ensure their dependents are financially secure in the event of their unexpected death."

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