Life Insurance Calculator

In just a few clicks, you can estimate the expenses life insurance may help cover, tailored to your family situation, income, and debts.

General Advice Disclaimer

This calculator provides general information only, based on standard assumptions. It does not take into account your personal objectives, financial situation or needs. Before making any decision about insurance products, you should consider whether the information is appropriate for your circumstances and seek professional advice.

I understand and accept this general advice disclaimer and have read the Calculator Purpose, Assumptions & Methodology .

This calculator has been developed and is provided by Risk Researcher Pty Ltd ABN [78 687 647 294].

The results produced are illustrative estimates only, based on the limited details you choose to enter and on the calculator’s underlying purpose, assumptions and methodology. These figures are not comprehensive and may not reflect your actual financial position or the amount of cover that may be appropriate for you.

The outputs should not be relied upon as personal advice or as a recommendation that the calculated amount of insurance cover is suitable for your circumstances. The calculator does not consider all relevant factors, and it does not replace a full assessment of your needs. We strongly recommend you seek advice from a qualified financial adviser before deciding on an amount of cover, and that you regularly review your insurance needs as your personal and financial situation changes.

To the maximum extent permitted by law, Risk Researcher disclaims liability for any loss, damage or reliance arising directly or indirectly from the use of this calculator or its outputs. This does not limit or exclude any rights or remedies you may have under the law which cannot be excluded.

Any information you provide within the calculator remains anonymous and is not stored or linked to any customer file, even if you later choose to request a quote or purchase a product.

Any advice or information provided in connection with the calculator is general advice only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this information, you should consider its appropriateness, having regard to your personal circumstances. Before making a decision to apply for or continue holding a life insurance product, you should read the relevant Product Disclosure Statement (PDS).

This calculator and these terms were last updated on Wednesday, 1 October 2025.