How much financial protection might your family need?
Explore an illustrative estimate based on your family's financial commitments, potential income replacement needs and existing resources.
This calculator is an educational tool. It does not replace professional advice and it does not assess whether any financial product is suitable for you.
Your figures
Enter your own numbers. Everything updates as you type, and nothing is sent anywhere.
A — Outstanding financial commitments
B — Income replacement
Between 1 and 40 years.
C — Existing financial resources
Enter only resources you consider relevant to these needs. Do not count retirement funds, property equity or other assets that may not be available when needed.
Enter your figures on the left to see an illustrative estimate. You do not need to provide your name, email address or cellphone number.
Total estimated financial need
R 50 000,00
Debts, expenses and undiscounted income replacement combined.
Existing resources entered
R 0,00
Life cover plus other liquid resources you entered.
Indicative financial gap
R 50 000,00
The difference between the estimated need and the resources entered.
Income replacement component
R 0,00
Monthly income × 12 × 10 years — an undiscounted estimate.
Debt and expense component
R 50 000,00
Home loan, other debts, final expenses and family expenses.
What makes up the estimated need
Shares of the total estimated financial need under your assumptions.
- Final and related expenses100.0%
This calculator provides an educational illustration based on the information and assumptions you enter. It is not financial advice, an insurance recommendation or an insurance quote. It does not assess policy eligibility, exclusions, underwriting, tax implications, future inflation or the suitability of any financial product. Actual needs and insurance benefits may differ.
This model does not discount future income, estimate tax effects, account for inflation or evaluate investment returns. The income replacement figure is an undiscounted estimate: it simply multiplies monthly income by twelve and by the number of years you selected.