Term Insurance Calculator
Estimate how much term life cover your family needs using the Human Life Value (HLV) method. Adjust income, age, expenses, and liabilities to see your recommended cover instantly.
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Based on your income, expenses and liabilities — this is the minimum cover your family needs to maintain their lifestyle until age 60.
Cover breakdown
| Annual income | — |
| Years to protect (until 60) | — |
| Monthly expense need | — |
| Income replacement (HLV) | — |
| Outstanding liabilities | — |
| Recommended cover | — |
How this estimate works
We multiply your annual income by the share spent on living costs, spread that need over the years until age 60, and add a standard discount factor (÷ 3.6) used in HLV illustrations. Outstanding loans and liabilities are added on top. This is a planning guide only — actual cover should account for existing policies, inflation, and insurer underwriting.
Figures are illustrative and not a quote or recommendation from any insurer. For a tailored term plan, speak with our advisors or explore life insurance solutions.
