Financial AI Suite – Insurance Gap Analysis

👤 Personal Information

Your Age (years old)

Number of Dependents (children, spouse, parents you support)

Annual Income

Spouse Annual Income (optional — if married)

If you died, would your spouse still have an income of their own? (this decides whether your spouse's salary counts as money the family lost)

✅ Yes — my spouse keeps earning

❌ No — my spouse's income stops too

Only income your family loses is replaced. Yes — your spouse keeps working, so only your income is replaced and their salary is left out of the need (adding it would count money the family still receives). No — your spouse's income goes when you do, for example they work in your business, or they would have to stop working to raise the children, so both incomes are counted. If their income would only fall part-way (say they cut to part-time), neither answer is exact: take No for the larger, safer gap, or run the calculation both ways.

Years of Income to Replace (how many years your family needs support — typically 10)

Your own planning assumption: how many years of the insured's income the family would need if that income stopped. The figure is not an official standard.

💳 D — Outstanding Debts

Credit Card Debt (total outstanding)

Personal Loans (total outstanding)

Car Loan Balance (remaining amount owed)

Other Debts (total outstanding)

🏠 M — Mortgage

Mortgage Outstanding Balance (remaining home loan)

Do you have MRTT/MLTT coverage?

✅ Yes, covered

❌ No MRTT/MLTT

MRTT/MLTT Sum Assured (optional — leave 0 and we assume it matches the outstanding balance, the usual MRTA/MRTT arrangement)

🎓 E — Education Fund

Total Education Cost for Children (estimated total for all children)

📋 Additional Needs

Final Expenses (funeral, burial and estate administration — enter your own estimate; costs vary widely with rites and location)

Enter your own estimate. This calculator does not assume a funeral or final-expense figure — if you leave this at 0, the protection need simply carries nothing for it.

Emergency Fund Buffer (a common planning convention is 3-6 months of expenses — enter your own figure; it is not a statutory amount)

🛡️ Current Insurance Coverage

Life / Death Benefit (existing sum insured)

Critical Illness Coverage (existing CI sum insured)

TPD (Total Permanent Disability) (existing TPD sum insured)

Medical Card

Basic / Mid / Premium are this calculator's own planning bands, not an industry or statutory standard: this report says nothing about your policy's exclusions, co-payment, deductibles or panel, so read the policy schedule as well. The four limit fields below are compared against those bands.

❌
None

🏥
Basic

🏨
Mid

⭐
Premium

Medical Card Annual Limit (per year — check policy schedule)

Lifetime Limit (total lifetime coverage)

Room & Board Limit (per night, RM)

Outpatient Cancer / Dialysis (annual limit, RM — 0 if unknown)

Personal Accident (PA) Coverage

✅ Yes

❌ No

🤖

Analyzing Your Insurance Data

Our AI is crunching the numbers and generating personalized insights

Initializing... 0%

1 Validating your inputs

2 Calculating financial metrics

3 AI analyzing your data

4 Generating personalized report

5 Preparing final results