Pre-retirement Life Insurance estimator.

This estimator is designed to help you calculate the amount of life insurance you would need to replace your income that would cease in the event of your death.

The estimator has also taken into account the returns expected from your investment of the insurance proceeds and the impact of inflation over time. It does not take into account taxes payable on incomes generated, investment assets or Capital Gains Tax (CGT) on the sale of investment assets.

How long will your existing insurance payments provide for your family?

Life Insurance Needs Estimator
1.	Burial Expenses (6 x monthly income or $25,000 total)
2.	Unforeseen Expenses (Approx. 6 x monthly income or $20,000 total)
3.	Mortgage Balance or Rent Fund (Rent up to 10 yrs)
4.	Children Education ($20,000 x each child under 18)
5.	Income Replacement Assuming you have taken care of Items 1 - 4, how much of your net income do you want to provide your beneficiaries (after your death) on an annual basis?
	Expected rate of return from investments
TOTAL NEEDS

Assets Available To Meet Your Needs
1.	Existing insurance amount
2.	Investment assets value
3.	Rate of return on investments
4.	Expenses calculated from family needs
	Existing Insurance & Investmenst Shortfall/Surplus

To get your own quote, simply fill out the quote requests form or call us on 02 8425 7814

Please see the Insurance Comparison Report for additional information