HOW WELL PROTECTED ARE YOU?

Please note that you are currently facing a protection gap as the value of your resources is lower than your overheads (i.e., your protection level is below the baseline of 60%); Please take the necessary actions today to narrow your protection gap
Well done! You are currently moderately protected as your resources are higher than your overheads (i.e., your protection level has met the baseline of 60%); Please remain vigilant and review your resources and overheads regularly to ensure you remain well-protected
Congratulations! You are currently well-protected as your resources are much higher than your overheads (i.e., your protection level has exceeded the baseline of 60% by 15-20%); Please remain vigilant and review your resources and overheads regularly to ensure you remain well-protected
1

About you

2

About your family

3

About your financial overheads

4

About your financial resources

{[stepTitle[1]]}






Total number of dependent children: {[numChildrenAll]}






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{[stepTitle[3]]}






{[stepTitle[4]]}






Mortality Coverage

Critical Illness Coverage

Protection Gap

{[getFormattedValueElse(resultProtGapMort, '$0')]}

{[getFormattedValueElse(resultProtGapCI, '$0')]}

100%

[{[getFormattedValueElse(resultResAvailMort, '$0')]}]

[You are fully protected against Mortality.]

[You are not protected against Mortality.]

100%

[{[getFormattedValueElse(resultResAvailCI, '$0')]}]

[You are fully protected against CI.]

[You are not protected against CI.]

Protection Gap
Financial Resources

Note: Please note that all figures shown were calculated based on either assumptions that are appropriate for your profile, or values that apply to you personally that you have entered; Where appropriate, figures have been rounded to the next whole number

Total Protection Needs

(Will be offset by Spouse’s income, if any)

{[getFormattedValueElse(resultProtNeedMort, '$0')]}

{[getFormattedValueElse(resultProtNeedCI, '$0')]}

Funeral Costs

{[getFormattedElseNoRoundUpNegative(resultFuneralMort)]}

{[getFormattedElseNoRoundUpNegative(resultFuneralCI)]}

Unpaid Services

{[getFormattedElseNoRoundUpNegative(resultUnpaidSvcsMort)]}

{[getFormattedElseNoRoundUpNegative(resultUnpaidSvcsCI)]}

Children's Needs

{[getFormattedElseNoRoundUpNegative(resultChildMortCI)]}

{[getFormattedElseNoRoundUpNegative(resultChildMortCI)]}

Other Dependants' Needs

{[getFormattedElseNoRoundUpNegative(resultEldMortCI)]}

{[getFormattedElseNoRoundUpNegative(resultEldMortCI)]}

Outstanding Loans

{[getFormattedElseNoRoundUpNegative(resultLoansMort)]}

{[getFormattedElseNoRoundUpNegative(resultLoansCI)]}

Rent

{[getFormattedElseNoRoundUpNegative(resultRentMort)]}

{[getFormattedElseNoRoundUpNegative(resultRentCI)]}

Future Household Expenses

{[getFormattedElseNoRoundUpNegative(resultHHExpMort)]}

{[getFormattedElseNoRoundUpNegative(resultHHExpCI)]}

Less: Spouse's Income

-{[getFormattedElseNoRoundUpNegative(resultSpouseIncMort)]}

{[getFormattedElseNoRoundUpNegative(resultSpouseIncMort)]}

-{[getFormattedElseNoRoundUpNegative(resultSpouseIncCI)]}

{[getFormattedElseNoRoundUpNegative(resultSpouseIncCI)]}

Financial Resources

{[getFormattedValueElse(resultResAvailMort, '$0')]}

{[getFormattedValueElse(resultResAvailCI, '$0')]}

CPF and Other Savings

{[getFormattedElseNoRoundUpNegative(resultCPFMort + resultOtherSvgMort)]}

{[getFormattedElseNoRoundUpNegative(resultCPFCI + resultOtherSvgCI)]}

Insurance Coverage

{[getFormattedElseNoRoundUpNegative(resultInsMort)]}

{[getFormattedElseNoRoundUpNegative(resultInsCI)]}

Other Financial Resources

-

{[getFormattedElseNoRoundUpNegative(resultOthResourcesAvail)]}

Protection Gap

{[getFormattedValueElse(resultProtGapMort, 'S$0')]}

{[getFormattedValueElse(resultProtGapCI, 'S$0')]}

The total values generated here may not add up due to the rounding of the values captured in the various steps of this calculator

Please click here to learn about the assumptions and caveats that have been applied to this calculator.

PLEASE TAKE THE NECESSARY ACTIONS TODAY TO MANAGE YOUR PROTECTION GAP, IF ANY

  • As one ages, the value of insurance premiums payable will become more expensive
  • As one ages, one will also be susceptible to contracting health conditions; Prevailing health conditions may be excluded at the time of insurance applications, which means that claims resulting from such prevailing health conditions will not be paid

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