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Australia Life Insurance Calculator
Pre-filled with typical Australia figures — change them to yours.
Australia Life Insurance Calculator
DIME method
$1,310,000
10× income rule
$800,000
15× income rule
$1,200,000
Lump sums − assets
$510,000
HLV = present value of the income your family needs until your chosen age (at the real return after inflation) + debts, mortgage, education and final expenses − savings and existing cover. Term insurance is the cheapest way to buy this cover. An estimate, not financial advice.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Cover by income (Australia)
- A$60k income: $1,400,000
- A$90k income: $1,850,000
- A$120k income: $2,300,000
- A$180k income: $3,200,000
Estimates built on public formulas and published limits — not a quote and not financial advice. Premiums depend on the insurer’s underwriting.