How Much Life Insurance Do I Need?
Get your personalised Life & TPD cover estimate in under 60 seconds.
Calculate Your Cover
Takes 60 seconds. No contact details required.
Protect Your Future in Minutes
Our calculator helps you estimate the right level of cover across multiple insurance types - quickly and clearly.
- Calculate Life Insurance, Income Protection, TPD, and Trauma Cover all in one place.
- Get your results and adjust the assumptions to better reflect your financial circumstances.
- See Cost of Cover Instantly
How It Works
Enter Your Details
Enter your age, salary, number of dependents, and financial obligations to receive an initial life insurance estimate tailored to your situation.
Review Your Needs
Fine-tune your results by adjusting key assumptions such as income needs, existing cover, and financial goals. This ensures you get a personalized life insurance estimate and find the best life insurance policy for your family-without overpaying.
Get Results
Get your insurance payout estimate in real-time. We break down exactly how much life cover you need to ensure financial security for your family.
Compare & Apply
Compare life insurance in Australia with confidence. Use your estimate to find the best life insurance policy for families, individuals, or business owners. Apply for life insurance online and secure financial protection for your dependents today.
💡 Ready to Act on Your Estimate?
Once you've reviewed your cover level, you can instantly compare quotes and apply online - no adviser required, no pressure.
- ✅ Same trusted insurers
- ✅ Lower premiums through cashback
- ✅ Apply with or without help
Who Needs Life Insurance?
Life insurance provides financial protection for dependents, homeowners, and individuals with financial commitments. Whether you need life insurance for mortgage protection or to secure your family's future, our tool helps you find the right policy.
Homeowners & Renters
Protect your mortgage or rental obligations.
Parents
Secure your children's future in case of the unexpected.
Business Owners
Ensure business continuity with the right policy.
Retirees & Empty Nesters
Cover final expenses and leave a legacy.
Even if you already have life insurance through your super, it may not be enough. Our calculator helps you assess if you need additional cover.
What Types of Life Insurance Can You Calculate?
Not sure what type of life insurance you need? Our calculator helps estimate the right amount of cover across multiple insurance types, including Life Cover, Income Protection, TPD, and Trauma Insurance. Adjust assumptions to match your situation and ensure you're fully protected.
Life Cover (Death Benefit)
- Provides a lump sum payment to your beneficiaries if you pass away.
- Helps cover mortgages, daily living expenses, and future financial needs.
Total & Permanent Disability (TPD)
- Pays out a lump sum if you become permanently disabled and can't work.
- Helps cover medical costs, home modifications, and lost income.
Income Protection Insurance
- Replaces up to 70% of your income if you're unable to work due to illness or injury.
- Provides financial stability while you recover.
Trauma Insurance
- Lump sum payout if diagnosed with a serious illness like cancer, stroke, or heart attack.
- Helps cover treatment costs, rehabilitation, and everyday expenses.
Why Our Cover Often Costs Less
We believe Australians deserve fair value on life insurance. That's why we rebate at least 50% of the commission normally paid to advisers - meaning you pay less, without changing your policy.
- ✅You keep the exact same cover from top Australian insurers
- ✅We refund part of the ongoing adviser commission
- ✅You could save +12.5% on your premium every year
Real-Life Scenarios
Life insurance isn't just a policy-it's peace of mind. See how it protects different people at different stages of life.
Blue, 33
Insurance Claims
Annual Salary $125,000
Living Situation single
Emma, 40
Part-time Accountant
Annual Salary $125,000
Living Situation single, two kids
Jodi, 35
Magazine Editor
Annual Salary $225,000
Living Situation married, expecting 1st child
Dan, 30
Personal Trainer
Annual Salary $150,000
Living Situation in a defacto relationship
Calculator Assumptions & Design
Frequently Asked Questions
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It's free, easy, and tailored to your needs.
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