Use it yourself
Quick estimate, no email needed.
Run a rough projection and see the shape of the answer — useful for orienting yourself before a real conversation.
Open the tool
Tools
Insurance Needs Calculator
A short calculator on your income, debts and dependants. See a rough cover figure for your situation, then compare it with an adviser before you decide on anything.
Or talk it through
Walk through it with an adviser.
A short call is usually faster, and you get a recommendation for your situation, not just a number.
What this checks
The inputs behind the result.
Income & debts
What you earn, and what a payout would need to clear or replace.
Dependants & mortgage
Who relies on your income, and what's still owing on the house.
Existing cover
What you're already insured for, so we're not doubling up.
The cover gap
A rough figure for the cover a family in your situation might need.
FAQs
Common questions about this tool.
No. This tool gives you a general, indicative result based on what you enter — it doesn't take into account your full financial situation, so it isn't personalised advice. If you want advice you can rely on, book a free review with a licensed Smiths adviser.
No. The tool is free, and if you go on to get advice from Smiths we don't charge an advice fee either. We're paid by the KiwiSaver provider or insurer if you decide to go ahead, and by law your interests come first either way.
You'll see a rough figure for the cover a family in your situation might need. An adviser can turn that into an actual recommendation and compare it across the providers we work with.
Talk to the team.
Book a free review with Craig, Guy or Henry. No fees, and we're there if you ever need to claim.