Understand the Client
We begin by listening carefully to each client's personal, family, or business circumstances, financial commitments, and long-term objectives.
Free Tool
Life Insurance Coverage Calculator
Estimate how much life cover your family may need — based on your income, debts, and education plans. Calculated in your browser in under a minute; nothing is stored.
Estimated coverage need
AED 0
Based on these inputs, your existing cover and savings already meet the estimated need. A review can confirm the structure still fits.
How this calculator works
The estimate uses the needs-based method most advisors start from:
- Income replacement — your annual income multiplied by the years your dependents would need support.
- Debt clearance — outstanding mortgage and loans, so they are not passed to your family.
- Education continuity — a fund per child so school and university plans survive the loss of an income.
- Offsets — existing life cover and accessible savings reduce the amount of new cover needed.
The result is a starting point for a conversation, not a final answer. A proper review also considers end-of-service benefits, dual-country obligations between Lebanon and the Gulf, business exposures, and how your needs change over time.
Frequently asked questions
How is the coverage estimate calculated?
The calculator uses a standard needs-based method: the income you want to replace (annual income × the number of years you choose), plus outstanding mortgage and debts, plus an education fund per child — minus any existing life cover and accessible savings. It is an educational starting point, not a quote or a recommendation.
Is this an insurance quote?
No. The calculator estimates a coverage amount, not a premium. Premiums depend on age, health, policy type, term, and insurer underwriting. An advisor can obtain illustrations from insurers once your actual needs are confirmed.
Does the calculator store my information?
No. Everything is calculated in your browser. Nothing you enter is sent to our servers or stored anywhere.
How many years of income should I protect?
A common range is 5–15 years, depending on how long your dependents would need support, your family's other resources, and how close you are to financial independence. Ten years is a widely used starting point that you should adjust to your situation.
Is the result different for expats in the UAE or families in Lebanon?
The method is the same, but the inputs often differ — dual-country obligations, school fees in different currencies, and end-of-service benefits can all change the numbers. That is exactly what a financial review with an advisor clarifies.