TPD Cover

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Step 1 - Enter your details
Step 2 - Your insurance gap
Step 3 - Next steps



TPD COVER
Personal details
Do you want to do this calculation for you and your partner? *	Yes No
		Your details	Partners details
Current age *
Do you have any financial dependants? *		Yes No	Yes No

Financial details
Current debts
Current outstanding mortgage	$		$
Other debts i.e. car and personal loans, credit cards etc	$		$
Existing savings
Emergency funds set aside	$		$
Other cash or assets that could be sold quickly like shares or managed funds	$		$
Superannuation account balance(s)	$		$
Dependants' expenses
Estimated dependants' education expenses	$		$

Any existing TPD cover?
With your superannuation fund(s)	$		$
With a life insurance company	$		$
Ongoing income for you and your dependants' future living expenses (excluding education expenses for your children)
Your estimated amount required per		$	$
Dependants' estimated amount required per		$	$
Number of years to pay an income for you and your dependants
Allowance for disability related expenses
Costs incurred upon becoming disabled eg. Hospital, medical and rehabilitation expenses	$		$
Underlying assumptions
Do you want to change underlying assumptions?	Yes No
Net investment return to determine the cover required for future expenses (between 3% - 8%)	%
Inflation rate used to determine the cover required for future expenses (between 2% - 4%)	%

* Mandatory fields

TPD COVER

Show you Show your partner

FusionCharts



	You	Partner
Total required cover	-$ 999,999,999	-$ 999,999,999
With your superannuation fund(s)	-$ 999,999,999	-$ 999,999,999
With a life insurance company	-$ 999,999,999	-$ 999,999,999

Shortfall (additional cover required)	-$ 999,999,999	-$ 999,999,999

So what will you do next?

Do you want to use another calculator?

Yes No

Working out how much cover you need can be difficult. A Guild Life Risk Adviser can make this task easier by helping you secure the appropriate type and amount of cover. To have a Guild Life Risk Adviser contact you to talk about your needs please complete and submit the form below. Alternatively, you can call us on 1800 333 143.