Free Estimation Tool

Know Your Coverage Needs

Answer a few simple questions and find out how much life and critical illness coverage your family needs.

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Life & Critical Illness Here

Estimate your life cover and CI needs based on your goals and monthly commitments.

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Medical Inflation Trend

See how Malaysia's 15–16% annual medical inflation affects future healthcare costs.
Step 1 — What are you protecting for?
Step 2 — How many years to achieve this goal?
20 years
Drag to adjust
1 year 40 years
Step 3 — Your monthly financial picture
RM
Your gross yearly salary
RM
RM
RM
Food, groceries, utilities & other essentials
RM
Insurance premiums, subscriptions, hobbies, etc.
RM
RM

🔒 Your results are personalised and private. Takes under 30 seconds.

Your Estimated Coverage Needs

Based on your inputs, here's what we recommend for your family's protection.

🛡️ Recommended Life Coverage
RM —
Sum Assured
How we calculated this Ensures all your family's commitments are fully paid throughout your goal period — so they can maintain their lifestyle without financial burden.
❤️ Recommended Critical Illness Coverage
RM —
CI Sum Assured
Why 5× your monthly commitments? Early-stage critical illness typically requires 3–7 years to recover. This covers your debts and expenses throughout that period without depleting your savings.

📊 Calculation Breakdown

Annual Income RM 0
Goal Period —
Annual Commitments RM 0
Recommended Life Cover —
Monthly Commitments × 5 years RM 0
Recommended CI Cover —

Want a personalised quotation based on these numbers?

⚠️ These figures are estimates for illustration purposes only and are not a financial advice or offer of insurance. Actual coverage needs vary by individual circumstances. Please consult a licensed advisor for a personalised plan.

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