Insurance Coverage Gap Checker (SGD)

Estimate recommended coverage and see your gaps for Life/TPD, Critical Illness, and Disability Income.

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1) Your basics

Annual income (S$)

Monthly income (auto)

Liquid assets set aside for family (cash/investments) (S$)

Outstanding debts to clear (e.g., mortgage) (S$)

Education fund goal (optional) (S$)

Extra buffer (optional) (S$)

2) Existing coverage

Existing Death & TPD cover (total) (S$)

Existing Critical Illness cover (S$)

Existing Disability Income benefit (monthly) (S$)

Notes (optional)

3) Assumptions (editable)

Death & TPD multiplier (× annual income) 9×

Default 9× is commonly used as a rule-of-thumb in Singapore guides. Adjust for your situation.

Critical Illness multiplier (× annual income) 4×

Default 4× is commonly used as a rule-of-thumb for standard/late-stage CI coverage.

Disability income replacement (% of monthly income) 75%

Many disability income policies cap benefits around a % of income. Use a conservative % if unsure.

Important: This calculator is for illustration only and does not constitute financial advice. Please consult a licensed representative for product suitability and current quotations.

Your results

Death & Total Permanent Disability (TPD)

Recommended = (income × multiplier) + debts + education + buffer − liquid assets

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Recommended
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You have
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Gap
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Critical Illness (CI)

Recommended = (income × multiplier) + buffer

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Recommended
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You have
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Gap
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Disability Income (monthly benefit)

Recommended monthly benefit = monthly income × replacement %

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Recommended
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You have
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Gap
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Tip: If your gap is large, double-check whether you included workplace/group insurance, DPS, and riders correctly.

Disclaimer: This tool provides general illustrations based on your inputs and assumptions. It does not take into account your full objectives, financial situation, or needs.