This calculator helps you to calculate how much capital you need to provide continuous income to your loved ones should any misfortune were to happen to you such as death, disability or critical illness.

Just input the relevant information and press the key.

For example:

You wish to provide an immediate fund of RM20,000 and emergency fund of RM20,000 to your family. You also want to guarantee your children's education fund of RM300,000. Your family needs RM80,000 a year to pay for the necessities and you expect a 5% interest on your family income.

You need to be insured for a capital of RM1,650,000 today after taking into consideration all your liquid assets.

To start, please press the key.

* To ensure a comfortable life for our family should any misfortune happen.
  (E.g. death, disability plus illness.)

Step 1: Cash Need (A) - immediate cash needed upon death
Immediate fund:		- fund to pay for funeral, tax and legal fees
Emergency fund:		- fund set aside for your family to pay for   emergency needs: hospitalization, major   medical, major repair to house/car
Mortgage		- to pay off outstanding mortgage on home &   or properties
Education fund:		- total fund needed for your children's   education at today's value
Total cash needed:
Step 2: Plus Income Need (B) - Capital needed to support the living
Family income needed / year:		- the amount of money that your family need   from you to pay for the necessity >
Interest rate (%):		- expected interest on your family income
Estimated capital needed:
Step 3: Less Existing Liquid Assets (C)
Fixed deposit & savings:
Unit trust:
Stocks:
EPF:
Existing insurance:
Existing education fund:
Total existing liquid assets:
Total fund needed ( A+B-C ) =		This is the recommended sum assured
NOTE: The accuracy of this calculator and its applicability to your circumstances is not guaranteed. You are advised to obtain personal advice from qualified professionals.

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