Lets get started on your insurance needs and cost

The calculator estimates a few things about you so we can estimate the cost of maintaining you and your family lifestyle if you die or suffer a disability so you can no longer work

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Personal details

To start we need to know a few things about you so we can estimate the cost of maintaining you (and your family's) lifestyle if you die or suffer a disability and can no longer work.


Minimum age next birthday is 16.
Your age must be between 16 and 70 at your next birthday.
Please enter your current age.
$

Entry must be {{$ctrl.maximumDependentAge}} and under

Financial details

If you were to suffer a disability or die, you (or your family) may still have expenses and debts to be paid. The more detailed information you provide in this section the more reliable our calculation will be.


Income & expenses
$
Your salary must be greater than zero.
Your partners income exceeded maximum value of $999,999,999.99 annually.
You must enter a value for your income.
$
Your partners income exceeded maximum value of $999,999,999.99 annually.
$
Your other income exceeded maximum value of $999,999,999.99 annually.
$
$
The maximum total expenses allowed is $999,999,999.99
Total income must not be less than your expenses.
Assets & Debts
$
The maximum total assets allowed is $9,999,999,999.99
$
The maximum total debts allowed is $9,999,999,999.99

Calculated insurance cover

The summary below is an insurance cover estimate calculated using information you have provided. It should be used as a guide.


If you were to suffer from a disability, additional expenses may be incurred (e.g changing to allow for wheelchair access). Below is an estimate of the average additional expense. The amount you need may change depending on the type of disability. If you choose, you are able to alter this figure.

$
Explanation of the Extra disability calculation

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Print a copy for yourself

To apply call 1800 222 071

Cost of your insurance

We need a bit more information from you to work out the approximate cost of insurance for you. The approximate premium calculation below is an insurance cover estimate calculation using information you provided. It should be used as a guide only.

Insurance information


Your insurance group. Please select one that best describes you

  • {{occupationData.description}}
$
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Death Cover

Death Cover

$
Please select an amount of cover that is $0 or greater
Please select an amount of cover less than $10,000,000
Please select an amount of cover between $0 and $10,000,000
Total Weekly Premium
Less than $0.01 {{$ctrl.totalDeathCoverWeeklyPremium | currency}}
	TPD Cover

Total & Permanent Disablement Cover

$
Please select an amount of cover that is $0 or greater
Please select an amount of cover less than $2500000
Please select an amount of cover between {{0 | currency:'$':'0'}} and {{$ctrl.isDeathCoverAmountExceedingMaxTpdCoverAmount() ? $ctrl.totalDeathCoverAmount : $ctrl.maxTpdCoverAmount | currency:'$':'0'}}
{{$ctrl.tpdGreaterThanDeathError}}
Total Weekly Premium
Less than $0.01 {{$ctrl.totalTpdCoverWeeklyPremium | currency}}
	Income Protection Cover

Income Protection

$
Please select an amount of cover that is $0 or greater
Please select an amount of cover less than $30,000
Please select an amount of cover between $0 and $30,000
{{$ctrl.incomeProtectionWarningThresholdErrorMessage}}
Total Weekly Premium
Less than $0.01 {{$ctrl.incomeProtectionWeeklyPremium | currency}}

Total Cost Summary

Cover Cover Amount Total Weekly Premium
Basic (automatic) death cover* Fixed (automatic) death cover* {{$ctrl.roundNumberToNearest($ctrl.basicDeathCoverAmount,1000) | currency:'$':0}} {{$ctrl.basicDeathCoverAmount | currency:'$':0}} {{$ctrl.basicDeathCoverAmount | currency:'$':0}}

Total Weekly Premium

{{$ctrl.basicDeathCoverWeeklyPremium | currency}}
Basic (automatic) TPD cover* Fixed (automatic) TPD cover* {{$ctrl.roundNumberToNearest($ctrl.basicTpdCoverAmount,1000) | currency:'$':0}} {{$ctrl.basicTpdCoverAmount | currency:'$':0}} {{$ctrl.basicTpdCoverAmount | currency:'$':0}}

Total Weekly Premium

{{$ctrl.basicTpdCoverWeeklyPremium | currency}}
{{$ctrl.roundNumberToNearest($ctrl.basicIncomeProtectionCoverAmount,1000) | currency:'$':0}} {{$ctrl.basicIncomeProtectionCoverAmount | currency:'$':0}} {{$ctrl.basicIncomeProtectionCoverAmount | currency:'$':0}}

Total Weekly Premium

{{$ctrl.basicIncomeProtectionCoverWeeklyPremium | currency}}
Voluntary death cover {{$ctrl.roundNumberToNearest($ctrl.voluntaryDeathCoverAmount, $ctrl.deathAmountInterval) | currency:'$':0}}

Total Weekly Premium

{{$ctrl.voluntaryDeathCoverWeeklyPremium | currency}}
Voluntary TPD cover {{$ctrl.roundNumberToNearest($ctrl.voluntaryTpdCoverAmount,$ctrl.tpdAmountInterval) | currency:'$':0}}

Total Weekly Premium

{{$ctrl.voluntaryTpdCoverWeeklyPremium | currency}}
Monthly income protection benefit** {{$ctrl.voluntaryIncomeProtectionCoverAmount | currency:'$':0}}

Total Weekly Premium

{{$ctrl.voluntaryIncomeProtectionCoverWeeklyPremium | currency}}

View Unitised Cover Quote

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View Fixed Cover Quote (maintains basic death and TPD cover regardless of your age)

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Edit Assumptions

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{{$ctrl.waitingPeriodDisclaimer}}

Total Weekly Premium
{{$ctrl.calculateTotalWeeklyPremium() | currency}}
{{$ctrl.monthlyPremiumFromAnnualMessage}}

Reset your insurance needs

Print a copy for yourself

To apply call 1800 222 071