What would your family need?
Put a rough number on the income your family relies on, how many years they might need to adjust and what's already in place, like your savings and existing life cover. It's a good first step towards knowing they'd be looked after.
Your figures
Illustrative defaults. The starting figures are an example to change, not a recommended amount.
What your household would need each month if this income stopped.
How long your family might need support while they adjust.
Debts or one-off costs, such as a remaining home loan. Do not repeat spending already in the monthly amount.
Only savings and assets realistically available for this purpose.
Cover you already hold. Check its benefit definitions and availability in your policy documents.
Your figures stay on this page. Nothing is saved or sent.
Your scenario
Assumes RM5,000 a month for 10 years plus RM200,000 in obligations, with no inflation, investment return or tax.
- Indicative gap
- RM400,000
- Simplified need
- RM800,000
- Assets and existing cover included
- RM400,000
Result paused. Check the highlighted field.
A simple starting point. In your review we’ll add inflation, your existing cover and the right amount for your family.
How this is calculated
Simplified need = monthly amount × 12 × years + additional obligations.
Indicative gap = simplified need − available assets − existing cover. It never goes below zero: if assets and cover already meet the need, the gap is RM0.
Additional obligations still count when the monthly amount is RM0. They should not repeat spending already included in the monthly amount.
A simple estimate to start a conversation. Bring your numbers to a free review and we’ll build the full picture with you.
Would you like help understanding what this estimate leaves out?
Your figures are not sent with this link. Share only what you choose in the enquiry form.
How the example works out.
The tool opens with example figures. RM5,000 a month for 10 years comes to RM600,000. Add RM200,000 for, say, the rest of a house loan, and the simplified need is RM800,000.
Take away RM100,000 of savings and RM300,000 of existing life cover and you're left with an indicative gap of RM400,000. If your savings and cover add up to more than the need, the gap shows as zero. Good news, and worth knowing.
What we'll add in your review
We kept this model simple on purpose. It multiplies your monthly amount by 12 and by the number of years, adds your other obligations, then takes away the savings and cover you entered. In a free 30-minute review, we'll add the details that make it yours:
- Inflation, and any investment return on your savings and payouts.
- Tax.
- When your debts and other obligations actually fall due.
- Changes to your household's other income over time.
- How the benefits you already have work together.
- The FWD Insurance or FWD Takaful plan, premium and sum assured that fit your budget.
Questions about this estimate
What should I do with my result?
Bring it to a free 30-minute review. We'll look at what you can comfortably afford, the cover you already have and the plans that fit.
What should I count as obligations and savings?
Obligations are lump sums, like the rest of a house loan, that aren't already in your monthly figure, so count them once. For savings, include money your family could really use for this, and check how your existing cover is defined before you count it.
Is the cover from my employer enough?
It's a great start. We'll check what it pays and what happens to it if you change jobs, then see whether your family would need more on top.
Can I get a review without buying anything?
Yes. Book a free 30-minute review, ask your questions and take the documents home. Decide once you're comfortable with what's being proposed, whether that's an FWD Insurance plan, an FWD Takaful plan or nothing at all.
These are simple estimates to start a conversation, not a quote.
More planning tools.
Let's look past the estimate.
Want help turning this number into a plan? Book a free 30-minute review or WhatsApp +60 11-1111 1692. We'll talk through who depends on you, the cover you already have and what fits your budget. You decide what to share.