Needs Analysis and
Financial Budget Calculator




  • How much is your monthly income?
    e.g: basic salary
  •         monthly
  •         yearly
  • How much do you spend (on yourself and your family) every month?
    e.g: insurance premium, electricity & water bills, food, petrol, shopping and others
  •         monthly
  •         yearly
  • How much outstanding debt do you currently have?
    e.g: housing loan, car loan, credit card and others
  •         
  • How much life insurance coverage do you currently have?
    e.g: insurance or takaful amount you will receive if you pass away
  •         
  • How many years does your family need to be supported in the event that you pass away?
    Life insurance is meant to support your family in the event that you pass away. If you pass away, you may want to ensure you leave behind enough financial support to get them through the next few years (for example 10 years).
  •         years (must be 1 year or more)
  • How much cancer coverage do you currently have?
    e.g: insurance or takaful amount you will receive if you diagnosed with cancer.
  •         
  • How much replacement income do you need in the event of cancer?
    Cancer coverage will ensure your loved ones are protected from the financial impact of cancer. You may need to be protected against the unexpected with certain amount of your income (for example 75% of your annual income for 5 years).
  •          of annual income


             years (must be 1 year or more)
  • How much is your existing medical annual coverage?
    e.g: insurance or takaful coverage you will receive if you are hospitalised.
  •         per year
  • How much is your desired medical annual coverage?
    Medical coverage is meant to support your medical bill if anything happended to you. You may need an amount of annual coverage (for example RM100,000 annual coverage).
  •         per year
Your financial budget is RM per year
Your estimated additional insurance coverage for Term Life is RM
Your estimated additional insurance coverage for Cancer is RM
Your estimated additional insurance coverage for Medical Reimbursement is RM per year

Note: Your estimated additional insurance coverage for Cancer is meant to be served as income replacement. If you have no/insufficient coverage for cost of treatment, please consider getting medical insurance.

Now that you know your financial budget and how much more life insurance coverage you need, why don't you check out our PRUdirect plans which you can instantly buy online?

Alternatively, you may want to Find An Agent to assist you.
Disclaimer: This calculator only provides an estimate of your budget and recommended additional life/health insurance coverage based on the information entered