Calculate how much life insurance you need using real-time SARB inflation rates. Get instant quotes from South Africa's leading insurers.
This calculator uses the current inflation rate from SARB: Loading...
Your total monthly income after tax deductions
Number of years to replace income (1-15 years)
Cover provided by your employer through Group Risk Benefits or as part of a Pension
Current outstanding balance on your home loan
Our life insurance calculator helps South African families determine the right amount of coverage needed to protect their loved ones. By considering factors like income replacement, outstanding debt, and funeral expenses, you can make an informed decision about your life cover needs.
We use industry-standard calculations and real-time inflation rates from SARB to provide accurate estimates. The calculator factors in your monthly income, desired income replacement period, existing employer coverage, and outstanding mortgage to give you a comprehensive view of your insurance needs.
We work with South Africa's leading insurance providers to offer you competitive quotes:
The amount of life cover you need depends on several factors, including your monthly income, debt obligations, and family circumstances. A general rule is to have coverage that's 10-15 times your annual salary, but our calculator provides a more accurate estimate based on your specific situation.
Several factors influence your life insurance premiums in South Africa:
While employer-provided life cover (group life benefits) is valuable, it might not be sufficient on its own. Our calculator factors in your employer coverage to help determine any additional coverage needed to fully protect your family.
Along with basic life cover, you might want to consider: