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Life Insurance Needs Estimator
🛡️ Life Insurance Needs Estimator

Life Insurance Needs Estimator

Estimate how much life insurance cover your family may need based on your income, dependants, debts and existing savings/cover.
1. Family & income Dependants & lifestyle
Approximate take-home income that currently supports your household.
Example: Replace 70–80% of your income for 10–15 years until children grow up / spouse adjusts.
2. Debts & education goals Payoff & future costs
Education can include school + university per child. Final expenses are once-off costs your family may face.
3. Existing savings & life cover What you already have
Include life cover from employers, SACCOs, mortgages or standalone policies.
Please enter sensible values: income & years of support must be positive.
đź’ˇ This tool gives a rough estimate. A qualified adviser can fine-tune based on your full financial plan and Kenyan tax rules.
Suggested Life Cover
Waiting for numbers…
Suggested cover: KES 0.00
Based on income replacement, debts & goals
Income replacement need
KES 0.00
Debt payoff (mortgage + other)
KES 0.00
Education goal amount
KES 0.00
Final / funeral expenses
KES 0.00
Total gross need
KES 0.00
Less: savings & investments
KES 0.00
Less: existing life cover
KES 0.00
Gap (extra cover needed)
KES 0.00
Your current cover vs suggested total 0.0% of suggested cover
This estimator assumes a simple “needs minus assets” approach. It does not include tax, inflation on income needs, changing lifestyle or business succession issues. Use it as a starting point and review your cover regularly as your income, debts and family situation change.