The Global Money GuideRequest a planning discussion
Keep the wider plan resilient

What happens if the income supporting the plan is interrupted?

Start with your household’s commitments and the resources already in place. Then explore a possible gap.

Explore the Protection Calculator
A quick protection check
An umbrella of financial protection shelters the household plan and its goals.

Protection planning

Help preserve time and choices

Consider the life risks, who relies on your income and what protection helps preserve.

Life risks

Death, serious illness and loss of income.

Who relies on your income?
Protection helps preserve

Time, choices, home, education and lifestyle.

Protection can help preserve time and choices. Start with the people who rely on the income and the resources already available.View full size

A quick protection check

Optional questions to organise your thinking. Your answers stay on this page.

01Does anyone depend financially on your income?
02Would your family need help replacing your income if you died?
03Do you have a mortgage, loans or commitments that would continue?
04Would a serious illness materially affect your ability to meet household costs?
05Do you have children or others whose education or living costs you want to protect?
06Is most of your protection provided only through your employer?
07Would existing savings support your household for an extended period if you could not work?

Answer the questions you find useful. A summary appears when all are answered; you can use the rest of the site without completing this check.

How protection fits the wider plan
The Wealth Tree: income roots, a resilient trunk, goal branches and life outcomes as fruit.
Income, career and human capital support reserves and protection; these help sustain assets and the choices they can make possible.View full size
Build wealth and protect the plan
Home/Tools/Life & Critical Illness Calculator
Protection · The financial safety net

Life & Critical Illness Calculator

Explore the commitments you would want to cover and the resources already available.

01Income and commitments

USD
USD
USD
USD
USD

02Resources allocated to this need

USD
USD

Include only resources available for this purpose. Avoid counting money that is already committed elsewhere.

Illustrative cover to consider
$410,000

A starting point for understanding the financial need. This is not a cover recommendation or quotation.

Income replacement$360,000
Debt commitments$125,000
Family and other needs$50,000
Resources deducted$125,000
Needs
$535,000−Resources
$125,000=Gap
$410,000
What this simple illustration leaves out

Income replacement uses a flat amount with no investment discounting or inflation. It does not assess underwriting, policy conditions, affordability, tax, workplace benefits or eligibility. Critical illness policies pay only under their defined terms, and do not cover every illness or absence from work.

For information and guidance only. Results are illustrative, based on your assumptions, and are not personalised financial advice. Methodology & limitations

Protection