Life Insurance Online Financial Calculators

Life Insurance Online is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Plan ahead with our Family Life Insurance Calculator, designed for couples who want a clearer picture of their protection needs. It assesses Life, Trauma and TPD cover for both partners, factors in existing policies and super benefits, and highlights any shortfalls with detailed recommendations and easy-to-read visual insights.

Life Insurance Calculator

Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.

Income Protection Insurance Calculator

Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

Keyperson Insurance Calculator

Estimate how much keyperson insurance your business may need to protect against the loss of critical staff. This calculator considers profit contribution, debt exposure and replacement costs to guide appropriate life, TPD and trauma cover.

Partnership Insurance Calculator

Use this calculator to estimate how much life, TPD and trauma insurance each partner may need to protect the business, fund a buy-sell arrangement, and support families if a serious event occurs.

'Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.'

Insurance News

Why the Life Insurance Advice Gap Matters for Households

08 Sep 2026: Paige Estritori

Australia’s life insurance advice gap is again drawing attention, with fresh industry discussion pointing to a practical problem for households: many people are expected to make long-term protection decisions without enough tailored guidance. For families juggling mortgages, dependants, cost-of-living pressure and changing work patterns, that can make life cover feel both essential and difficult to assess. - read more

What Fresh Claims Data Says About the Value of Life Insurance

01 Sep 2026: Paige Estritori

Fresh industry claims data has put a timely spotlight on the role life insurance continues to play for Australian families, workers and business owners. While premiums and affordability often dominate the conversation, the latest sector snapshot is a reminder that life cover is ultimately tested at claim time, when a death, serious illness, disability or extended inability to work can quickly become a financial shock. - read more

New APRA Figures Put Life Cover Affordability Back in View

25 Aug 2026: Paige Estritori

The latest APRA life insurance performance figures suggest Australia’s life insurance sector is still moving through a more stable phase, even as affordability remains a live issue for households. The results continue the broad pattern seen in an earlier APRA update: insurers have been working to repair product sustainability, particularly after years of pressure in disability income insurance, while customers are weighing premiums against everyday cost-of-living demands. - read more

Why Insurance in Super Is Back Under the Spotlight

18 Aug 2026: Paige Estritori

Insurance held through superannuation is again attracting attention as regulators and industry observers focus on how members and their families are supported when a claim is made. The latest discussion centres on a familiar but important issue: many Australians have life, total and permanent disability or income protection cover inside their super fund, yet may not fully understand the policy rules until illness, injury or death forces the issue. - read more

Click for more Insurance News

Life Insurance Articles

Why Every Young Family in Australia Needs Life Insurance

Life insurance might not be the first thing that comes to mind when thinking about the needs of a young family. However, it plays a crucial role in safeguarding your family's future. For many young families in Australia, the idea of life insurance can seem distant or even unnecessary, but understanding its significance can lead to peace of mind for both parents and children. - read more

A Guide to Life Insurance for Homeowners

Your home is likely one of your most significant investments, and securing it goes beyond bricks and mortar. Life insurance is essential for homeowners, offering financial security and peace of mind. It ensures that your loved ones can maintain their lifestyle, keep the family home, and cover outstanding debts in your absence. - read more

How to Calculate the Ideal Life Insurance Coverage for Parents

Welcome to our guide on life insurance, especially tailored for new parents in Australia. Navigating the world of parenthood is challenging and ensuring financial security should be a top priority. Life insurance provides an essential safety net, safeguarding your family's future in unexpected circumstances. - read more

Choosing the Right Life Insurance Policy for Your Growing Family

For many families, life insurance isn't just a financial product but a vital part of ensuring financial stability. As parents, the well-being of your children and the ability to provide for them, even in unforeseen circumstances, is of paramount importance. - read more

Knowledgebase

Public Liability Insurance:
A very broad term for insurance covering liability exposures for individuals and business owners. It provides broad coverage, generally including all exposures for property damage and bodily injury.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Unique Group Broker Services.

IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.