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Family protection

Is your family actually covered if income stops?

Four numbers against the MoneySense benchmarks — 9× annual income for death/TPD, 4× for critical illness — show the gap between what your family would need and what your policies plus savings would provide.

Your details

Uses the MoneySense rules of thumb: 9× annual income for death/TPD cover and 4× annual income for critical illness. Liquid savings count toward the death/TPD need.

Family protection gap (death / TPD)S$398,000

Benchmark need S$648,000 (9× your annual income) minus existing cover and liquid savings

Benchmark needS$648,000
CI recovery needS$288,000
CI gapS$238,000
S$398,000 of family responsibility is unfundedIf income stopped tomorrow, this is the gap between what your family needs and what policies plus savings would provide. Term cover typically prices this gap at a few dollars per S$100k of cover per month at younger ages.

A rules-of-thumb screen from the MoneySense Basic Financial Planning Guide and your own inputs — not a full financial needs analysis or advice. It ignores mortgage balances, children’s education, parents’ support, existing riders and affordability, which can move the number a lot in either direction. A licensed adviser runs the full needs-based calculation before any product discussion.

A benchmark is not a needs analysis

Free and no obligation — an adviser can help you:

  • Add what the rule of thumb ignores: mortgage, children's education years, parents' support
  • Check the cover you already have — term, whole life, riders, group cover from work — for overlaps and expiry dates
  • Price the gap honestly across term vs whole life so the premium fits before you commit
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