LiftOff / Calculators
Insurance Needs Analysis
Estimate your recommended cover across life, income protection, TPD, and trauma insurance. Enter your details to see a personalised breakdown.
I have a partner or dependants who rely on my income
Enables income replacement component of life cover
Cover by Type
$405,000
Life Insurance
Lump sum cover needed
$5,000
Income Protection
Monthly benefit (75% of income)
$1.61M
TPD Cover
Lump sum if permanently disabled
$100,000
Trauma Cover
Critical illness lump sum
Want to know if your cover actually matches your needs?
Our insurance advice is free to you, remunerated by the insurer when a policy is placed.
Life cover uses a present-value income replacement model (5% discount rate). Income Protection assumes 75% of gross income. ACC covers accidents in NZ, so IP primarily protects against illness. TPD and Trauma figures are indicative benchmarks. For a personalised needs analysis, speak with a LiftOff adviser.