Coverage Needs Calculator
Answer a few quick questions and we'll estimate how much life, TPD, income protection and trauma cover suits your situation — then point you to the right next step.
Coverage Needs Calculator
Results update as you type. Start with a preset or enter your own numbers.
Used to estimate years to retirement
Gross salary including super-paid bonuses
Enter 0 if single or partner doesn't work
Mortgage, car loans, credit cards, HECS
Children or others relying on you (0–10)
Mortgage, bills, food, transport, schooling
Cash, shares — not property equity
We count ~50% as accessible to your beneficiaries
Pick one or more — we'll only show what matters to you.
Your estimated cover
Updates live as you adjust your details
Select at least one cover type above to see your estimates.
These figures are general estimates only and don't constitute personal financial advice. Speak with one of our advisers for a tailored recommendation based on your full situation.