Insurance Protection Gap Calculator

Your Profile

Help us understand your current situation.

Your Name

Age

Gender

Marital Status

Number of Dependants (children, elderly parents, etc.)

Annual Gross Income

Expenses & Liabilities

Your monthly commitments and outstanding debts.

Monthly Household Expenses (all-in)

Include rent/mortgage, bills, food, transport, children's expenses, etc.

Outstanding Liabilities

Outstanding Home Loan

Other Loans (car, renovation, personal, etc.)

Children's Future Education Fund Needed

How much you'd like to set aside for children's education.

Your Existing Coverage

Enter your current insurance and liquid assets.

Life / Death & TPD Coverage

Total Death / TPD Sum Assured

Sum of all life insurance policies (term + whole life + group). Include DPS and HPS if applicable.

Critical Illness Coverage

Total Critical Illness Sum Assured

Sum of all CI policies (standalone + riders).

Disability Income Coverage

Monthly Disability Income Benefit (if any)

Monthly payout from disability income insurance.

Liquid Assets

Cash Savings & Liquid Investments

Savings, fixed deposits, stocks, unit trusts — assets you can access within 6 months.

Your Protection Report

Overall Protection Score

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protected

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JC

Junwen Chen

Certified Retirement Specialist · Senior Financial Advisor

Identified a gap? Let's work together to close it — with the right mix of protection and wealth-building strategies tailored to your life stage.

Insurance ProtectionGap Calculator