Life Cover Calculator
Estimate the life cover amount your family would need to maintain their lifestyle if you were no longer there to provide for them.
⚠️ Estimates only. This calculator is a starting-point guide. Your exact cover needs depend on your specific financial situation. Consult an FSCA-registered financial adviser for a personal needs analysis.
Calculate My Life Cover Need
How This Calculator Works
The calculator uses a simple income-replacement approach:
- Income replacement — your annual income × years to replace.
- Debt clearance — adds outstanding debts so your family is not left with repayments.
- Education fund — a one-off provision for dependants' education costs.
- Existing cover offset — deducts cover you already hold to show the additional gap.
Outputs are indicative estimates for planning purposes only and do not constitute financial advice.
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