Death cover
Calculated by taking two times your pre-tax annual income plus an amount for each child under 18 years of age plus debt repayments plus funeral costs plus other expenses minus the total of your assets (including any existing death cover).
Total and Permanent Disablement cover
Calculated by taking two times your pre-tax annual income plus an amount for each child under 18 years of age plus your current debt plus other expenses minus the total of your assets (including any existing TPD cover).
Trauma cover
Total of your current debt reduced by any emergency funds and any existing Trauma cover.
Income protection
75% of your pre-tax annual income.
Current Annual Income is pre-tax income and tax has not been factored into the calculation
