Life insurance gap score tool
Discover exactly how much coverage you need to protect your family's future
Why your coverage gap matters
Most people underestimate how much protection their family truly needs. Our gap score reveals the real number—what it would take to cover your mortgage, replace your income, and secure your children's future if something happened to you today.
What we measure
Your income and living expenses
Annual earnings and household income
We calculate how many years of income your family would need to maintain their current lifestyle and meet long-term goals.
Outstanding debts and obligations
Personal loans, credit cards, and other liabilities that would need to be settled.
Mortgage and property
Your home loan balance and the importance of keeping it protected.
Number of children and their ages through to independence.
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Learn
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Your information is protected
We use bank-level encryption to keep your data safe. Your results are confidential, and there's no obligation to act on them.
Your data stays private and is never sold or shared
No obligation to book a consultation or purchase coverage
Encrypted and secure from start to finish
Start your gap score now
Take five minutes to discover exactly what your family needs. The tool is simple, straightforward, and designed to give you clarity.
- Enter your age and current life stage to establish your baseline.
- To add interactions which automatically expand and collapse sections in the table of contents select the content27_h-trigger element, add an element trigger and select Mouse click (tap)
- Add your annual household income, mortgage balance, and any outstanding debts.
- Tell us about your dependents and any major expenses you want to cover, like education.
The gap score tool works by taking the information you provide—your income, debts, mortgage, dependents, and future goals—and running it through industry-standard formulas used by financial advisors across Australia. The result is a realistic estimate of how much life insurance your family would need if something happened to you today.
Your gap score isn't a diagnosis or a sales pitch. It's a starting point for understanding your actual protection needs. Some people discover they're already well-covered. Others find they have a significant gap. Either way, you'll have clarity.
Once you have your score, you can decide what to do next. Many people book a consultation with one of our advisors to discuss their options and find the right policy. Others use the information to shop around. The choice is entirely yours.
If your situation is straightforward—single income, standard mortgage, a few dependents—the gap score will give you a solid number to work with. If you have a business, significant assets, or complex family circumstances, an advisor can dig deeper and provide a more thorough analysis.
The tool also considers mortgage protection as part of your overall coverage strategy. If you want to explore mortgage-specific options in more detail, we have a dedicated calculator for that as well.
After you receive your score, you'll understand what your family would need to maintain their lifestyle, pay off the mortgage, cover education costs, and handle any outstanding debts. This clarity helps you make informed decisions about your protection.
Many families find that once they see their gap score, the next step becomes obvious. They either feel confident they're covered, or they recognize the need to act. Our advisors are here to help with the latter—to explain your options, answer your questions, and get you covered without the hassle.
Your data is encrypted and secure throughout the process. We don't share your information with anyone, and there's no obligation to proceed. You're in control.
The gap score is designed to be quick and accessible on mobile, so you can complete it whenever it suits you. Most people finish in five to ten minutes.
If you have questions about your results or want to discuss your specific situation, you can book a free consultation directly from your results page. Our advisors will review your gap score and help you understand what it means for your family.
Some people use their gap score as a starting point for conversations with other advisors or brokers. That's fine. The important thing is that you have the information you need to make a decision that works for your family.
Remember, your gap score is based on the information you provide. If your circumstances change—you get a promotion, pay off your mortgage, have another child—your gap score will change too. You can always come back and recalculate.
Your coverage gap
Based on your situation, here's what your family would need. This number represents the total life insurance coverage that would allow your family to maintain their lifestyle, pay off debts, and achieve the goals you've outlined.
Ready to protect your family?
Our advisors will review your results and recommend the right coverage for your situation.
Real stories
Families who discovered their coverage gap and took action.
Questions
Everything you need to know about assessing your coverage needs.
The gap score tool uses industry-standard formulas based on your income, debts, and family obligations. It's designed to give you a realistic starting point. For a detailed analysis tailored to your specific situation, our advisors can review your results and make personalized recommendations.
You'll see your coverage gap and understand what it means for your family. From there, you can book a free consultation with one of our advisors who will explain your options and help you find the right policy at the right price.
The tool asks for basic financial information to calculate your gap. Your data is secure and never shared. If you want a consultation, we'll ask for contact details, but you're in control of what you share.
Yes. The gap score includes mortgage protection in its calculation. If you want a deeper dive into mortgage-specific coverage, we also have a dedicated mortgage protection calculator on our site.
The tool works well for most people, but if you have business interests, significant assets, or unusual circumstances, an advisor can provide a more thorough analysis. Book a consultation to discuss your specific needs.
Talk to an advisor
Have questions about your gap score or need help choosing coverage? Reach out and we'll guide you through the next steps.