Coverage Calculator
Find out exactly how much term insurance you need to protect your family — adjusted for inflation, loans, and your existing coverage.
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How This Calculator Works
Our coverage calculator uses a comprehensive needs-based approach to determine your ideal term insurance amount. Unlike simple income-multiplier tools, we account for:
- Income replacement — ensuring your family maintains their lifestyle until retirement age
- Inflation adjustment — coverage is future-proofed at 6% annual inflation
- Outstanding loans — home loans, car loans, and other debts are covered separately
- Existing insurance — we subtract what you already have so you don’t over-insure
- Savings offset — your current savings reduce the gap your insurance needs to fill
Premium estimates are based on age-banded industry rates for non-smoker males. Actual premiums may vary based on your health, occupation, and the insurer you choose.