Insurance Calculator

How protected are you?

Oops! Your protection level is below the baseline of 60%. Do top up your coverage.

You are moderately protected. Do top up your coverage.

Well done! You have enough protection.

Knowing about you

Knowing more about you and your family

Understanding your financial overheads

Understanding your financial resources

{[stepTitle[1]]}

What is your age?

0 years old 100 years old

This field is mandatory.

What is your marital status?

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Is your spouse working?

This field is mandatory.

Do you have any dependent children without special needs?

This field is mandatory.

Do you have any dependent children with special needs?

This field is mandatory.

Total number of dependent children: {[numChildrenAll]}

Do you have any other dependants, e.g. parent, sibling?

This field is mandatory.

Do you currently have any coverage for mortality (event of death)?

The pre-set value is calculated using an assumption appropriate for your profile. For more accurate result, enter your personal value.

This field is mandatory.

Do you currently have any coverage for critical illness?

The pre-set value is calculated using an assumption appropriate for your profile. For more accurate result, enter your personal value.

This field is mandatory.

{[stepTitle[2]]}

The pre-set value to each question below is calculated using an assumption appropriate for your profile. For more accurate results, enter your personal values.

How much do you earn a year?

How about your spouse?

How old is your spouse?

0 years old 100 years old

This field is mandatory.

How about your dependent children without special needs?

How about your dependent children with special needs?

And your other dependants?

{[stepTitle[3]]}

The pre-set value to each question below is calculated using an assumption appropriate for your profile. For more accurate results, enter your personal values.

Do you own any property? If yes, what is the remaining loan amount?

This field is mandatory.

How long is your remaining mortgage loan?

1 year 40 years

Do you have any personal loan? If yes, what is the remaining loan amount?

This field is mandatory.

How long is your remaining personal loan?

1 year 8 years

Are you renting a property now? If yes, how much do you spend on rent per year?

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Any other financial obligations?

This field is mandatory.

{[stepTitle[4]]}

The pre-set value to each question below is calculated using an assumption appropriate for your profile. For more accurate results, enter your personal values.

How much savings (bank balances and cash) do you have?

This field is mandatory.

How much CPF savings do you have (all accounts)?

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Any other financial resources, e.g. investments?

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For Mortality

For Critical Illness

Protection Gap

{[getFormattedValueElse(resultProtGapMort, '$0')]}

{[getFormattedValueElse(resultProtGapCI, '$0')]}

100%

[{[getFormattedValueElse(resultResAvailMort, '$0')]}]

[You are fully protected against Mortality.]

[You are not protected against Mortality.]

100%

[{[getFormattedValueElse(resultResAvailCI, '$0')]}]

[You are fully protected against CI.]

[You are not protected against CI.]

Protection Gap

Financial Resources

Note: All figures are rounded off.
Figures are calculated using assumptions appropriate for your profile.

Total Protection Needs

(offset by spouse’s income, if any)

{[getFormattedValueElse(resultProtNeedMort, '$0')]}

{[getFormattedValueElse(resultProtNeedCI, '$0')]}

Funeral Costs

{[getFormattedElseNoRoundUpNegative(resultFuneralMort)]}

{[getFormattedElseNoRoundUpNegative(resultFuneralCI)]}

Unpaid Services

{[getFormattedElseNoRoundUpNegative(resultUnpaidSvcsMort)]}

{[getFormattedElseNoRoundUpNegative(resultUnpaidSvcsCI)]}

Children's Needs

{[getFormattedElseNoRoundUpNegative(resultChildMortCI)]}

Other Dependants' Needs

{[getFormattedElseNoRoundUpNegative(resultEldMortCI)]}

Outstanding Loans

{[getFormattedElseNoRoundUpNegative(resultLoansMort)]}

{[getFormattedElseNoRoundUpNegative(resultLoansCI)]}

Rent

{[getFormattedElseNoRoundUpNegative(resultRentMort)]}

{[getFormattedElseNoRoundUpNegative(resultRentCI)]}

Future Household Expenses

{[getFormattedElseNoRoundUpNegative(resultHHExpMort)]}

{[getFormattedElseNoRoundUpNegative(resultHHExpCI)]}

Other Protection Needs

{[getFormattedElseNoRoundUpNegative(resultOthProtNeeds)]}

Less: Spouse's Income

-{[getFormattedElseNoRoundUpNegative(resultSpouseIncMort)]}

{[getFormattedElseNoRoundUpNegative(resultSpouseIncMort)]}

-{[getFormattedElseNoRoundUpNegative(resultSpouseIncCI)]}

{[getFormattedElseNoRoundUpNegative(resultSpouseIncCI)]}

Financial Resources

{[getFormattedValueElse(resultResAvailMort, '$0')]}

{[getFormattedValueElse(resultResAvailCI, '$0')]}

CPF and Other Savings

{[getFormattedElseNoRoundUpNegative(resultCPFMort + resultOtherSvgMort)]}

{[getFormattedElseNoRoundUpNegative(resultCPFCI + resultOtherSvgCI)]}

Insurance Coverage

{[getFormattedElseNoRoundUpNegative(resultInsMort)]}

{[getFormattedElseNoRoundUpNegative(resultInsCI)]}

Other Financial Resources

{[getFormattedElseNoRoundUpNegative(resultOthResourcesAvail)]}

Protection Gap

{[getFormattedValueElse(resultProtGapMort, 'S$0')]}

{[getFormattedValueElse(resultProtGapCI, 'S$0')]}

The total figure may not add up due to rounding.

Please click here to find out the assumptions we have used and the caveats of the calculator.

AVOID SITTING ON IT.
GET COVERED NOW.

The older you are, the higher will be the premiums you need to pay.
Any health condition(s) you have at the time of your insurance application may be excluded, which means that the policy will not pay on your claim related to the health condition(s).

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To keep a copy of the current results, please download it. If you decide to abandon the current inputs, you must download it BEFORE you start over.

Your Protection Gap:

All figures are rounded off.

All figures are calculated using assumptions appropriate for your profile.

{[getFormattedValue(resultProtGapMort)]}

For mortality

{[getFormattedValue(resultProtGapCI)]}

For critical illness

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How protected are you?

{[stepTitle[1]]}

Total number of dependent children: {[numChildrenAll]}

{[stepTitle[2]]}

{[stepTitle[3]]}

{[stepTitle[4]]}

For Mortality

For Critical Illness

Protection Gap

{[getFormattedValueElse(resultProtGapMort, '$0')]}

{[getFormattedValueElse(resultProtGapCI, '$0')]}

100%

100%

Protection Gap

Financial Resources

Total Protection Needs

{[getFormattedValueElse(resultProtNeedMort, '$0')]}

{[getFormattedValueElse(resultProtNeedCI, '$0')]}

Funeral Costs

Unpaid Services

Children's Needs

Other Dependants' Needs

Outstanding Loans

Rent

Future Household Expenses

Other Protection Needs

Less: Spouse's Income

Financial Resources

{[getFormattedValueElse(resultResAvailMort, '$0')]}

{[getFormattedValueElse(resultResAvailCI, '$0')]}

CPF and Other Savings

Insurance Coverage

Other Financial Resources

Protection Gap

{[getFormattedValueElse(resultProtGapMort, 'S$0')]}

{[getFormattedValueElse(resultProtGapCI, 'S$0')]}

AVOID SITTING ON IT. GET COVERED NOW.

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Your Protection Gap:

{[getFormattedValue(resultProtGapMort)]}

{[getFormattedValue(resultProtGapCI)]}

AVOID SITTING ON IT.
GET COVERED NOW.