How much life cover do you actually need?
A needs-based estimate using your income, replacement period, outstanding debt and existing employer cover. A starting point for a fully underwritten quote.
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Updating from SARB feed…
Inflation used
5.5%
CPI
Needs analysis
How much life cover do you need?
A starting-point estimate based on your income, replacement period, debts and existing employer cover. Inflation is pulled live from the SARB CPI feed.
Inflation assumption
Use the headline CPI as your replacement-cost driver, or add a buffer for education and lifestyle inflation that historically run above CPI.
Life Cover Calculator South Africa
Life insurance should be sized to your responsibilities, not guessed. This calculator builds a needs-based estimate using your income, dependants, debts and any cover already in place — including employer group life cover.
Frequently asked questions.
How is life cover calculated?
We project the income your family would need to maintain their lifestyle for a defined replacement period, adjusted for inflation. We add outstanding debts and final expenses, then subtract any existing cover (such as employer group life).
What does a life cover calculator not consider?
It excludes detailed estate liquidity, business protection or specific provisions like trusts and policy structures — those need a proper advice conversation. The number it produces is a sizing benchmark, not a recommendation.
Related calculators and services.
Numbers are a start. Advice is the next step.
Lebon Consulting (FSP No. 52013) helps clients turn calculator outputs into properly structured insurance, retirement and investment decisions — on the record.