Needs Analysis

Step 1 of 8 - Before you begin

What is your Date of Birth?*
DD slash MM slash YYYY
Your age is:*
Sorry, we can provide you a quote given you are over the age of 65.
Great News.
As you are under the age of 65 we may be able to help you with your insurance needs. Move on to the NEXT Step.
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General Questions
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age
Income
($) Gross Annual Income*
Gross income is all income or wages you will earn before salary sacrificing. Do not include super if it is part of your renumeration package.
Business
Do you run your own business?*
- Yes
- No
Relationships
Do you have a Partner or Spouse?*
- Single
- Partner/Spouse
How much income would your partner/spouse require each year in replacement income if you were to pass away today?*
How many years would your partner/spouse require this amount of replacement income for?*
Money owing?
Do you have a mortgage or debts?*
- Yes
- No
What is your total mortgage and other debts you owe?*
Children
Do you have any children?*
- Yes
- No
How many children are 5 years of age and under?
How many children do you have above 5 years of age and under 18 years?
Age of child 1 above 5 years of age and under 18 years:
Age of child 2 above 5 years of age and under 18 years:
Age of child 3 above 5 years of age and under 18 years:
Age of child 4 above 5 years of age and under 18 years:
Age of child 5 above 5 years of age and under 18 years:
Age of child 6 above 5 years of age and under 18 years:
Age of child 7 above 5 years of age and under 18 years:
Age of child 8 above 5 years of age and under 18 years:
Age of child 9 above 5 years of age and under 18 years:
Age of child 10 above 5 years of age and under 18 years:
Costs of Education (for your children)
What will it cost per child to send them to the school of your choice?*
If you are sending them to a state school then you might not want to include the cost of education here. However, if you are going to send them to a Private School you would enter in the average yearly cost for a child to attend that private school.

NEEDS ANALYSIS SUMMARY - VIEW ONLY

Based on your responses, you should have the following amounts of personal insurances in place.
Life Insurance
Debt Amount owing (Life, TPD, Trauma):
Funeral Costs (Life):
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Children's Education (Life, TPD, Trauma):
{Child 1 (Above 5 below 18):162} + {Child 2 (Above 5 below 18):163} + {Child 3 (Above 5 below 18):164} + {Child 4 (Above 5 below 18):165} + {Child 5 (Above 5 below 18):166} + {Children below 5:172} + {Child 6 (Above 5 below 18):167} + {Child 7 (Above 5 below 18):168} + {Child 8 (Above 5 below 18):169} + {Child 9 (Above 5 below 18):170} + {Child 10 (Above 5 below 18):171}
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Child 1 (Above 5 below 18)
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Child 2 (Above 5 below 18)
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Child 3 (Above 5 below 18)
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Child 4 (Above 5 below 18)
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Child 5 (Above 5 below 18)
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Child 6 (Above 5 below 18)
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Child 7 (Above 5 below 18)
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Child 8 (Above 5 below 18)
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Child 9 (Above 5 below 18)
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Child 10 (Above 5 below 18)
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Children below 5
Replacement Income for Spouse/Partner:
Additional funds for others (Life):
TPD Insurance
Debt Amount owing (Life, TPD, Trauma):
Amount for Medical Costs (TPD, Trauma):
Children's Education (Life, TPD, Trauma):
Costs for Modifications (TPD):
Income Replacement (assuming you will have no IP in place):
Income Replacement (assuming IP will be in place):
Tax (TPD in Super)
If you hold TPD in Super it will be taxed before you receive the lump sum amount. The tax payable is approximately 22.5%. Assuming you take out a Super-linked TPD policy, then approximately 90% of TPD will be held in super for which tax maybe payable.
Trauma Insurance
Debt Amount owing (Life, TPD, Trauma):
Amount for Medical Costs (TPD, Trauma):
Children's Education (Life, TPD, Trauma):
Additional funds for you and/or your family (Trauma):
Child Trauma Cover:
Income Protection Insurance
Monthly Benefit Amount:
Business Insurance Cover
Monthly Benefit Amount:
SUMMARY TOTAL - How much you should consider having in place.
Total Life
Total TPD
Total Trauma
Total Income Protection
Total Business Cover Expense
Total Child Trauma Cover (per Child):
Next Step: Request a Quote or Submit Needs Analysis
Please select one of the following options:*
- Submit Needs Anaylsis
- Request a Quote
PRESS NEXT TO FINALISE THE PROCESS

Next Steps
Name*
First Last
Email*
Enter Email Confirm Email
1. Please confirm you are not a robot :)
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2. Press the SUBMIT button.

3. Once we receive your submission we will email you the indicative quote from our approved insurers.

4. We will provide you with our Calendar Link so that you can request a call back to discuss your quote (OPTIONAL).

5. When happy to proceed, simply let us know what you have decided to do.

6. When we receive acceptance of the quote we will then email you the following: a) Application and b) Statement of Advice (SoA).

7. Sign the Application and SoA and return this to us.

8. Application will be forwarded on to the insurer who will assess your application to determine if you are able to be covered.

9. When Unconditional Approval is provided and the first years premium has been paid, you will then receive your new Policy Schedule from the insurer.

10. Each year Find Insurance will send you an email notification regarding Insurance Policies, a Catch Up Report comparing your current insurances to see if they are still relevant to your needs and to provide you with an opportunity to review your insurance needs.

At claim time, Find Insurance will be there to help you with your claim submission and help you if an issue arises.
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DISCLAIMER:

This tool is intended to provide broad guidance on the level of insurance cover required to meet debt obligations and replace a portion of income in the event of death, TPD (total and permanent disablement), trauma or temporary disablement. The calculated cover is not a recommendation and is not intended to be an exact figure. It does not take all of your needs into account and does not constitute financial advice. Separate advice should be sought regarding the need for any other insurance such as Private Health Insurance and/or General Insurance. All figures are gross of tax. No allowance is made for your particular tax circumstances or for the taxation of insurance benefits, either inside or outside superannuation. Generally, Death, TPD and trauma insurance benefits will be taxed at a lower rate than the income they are replacing. Please seek separate tax advice in relation to insurance benefits. No allowance has been made for any social security benefits to which you may be or become entitled. No assessment is carried out as to the availability of cover. Cover may not be available to some customers either for health reasons or due to their occupation. You should consider obtaining advice from a licensed financial adviser before making any decision. You should reassess your insurance needs regularly as your circumstances may change. Also, while the assumptions underlying this calculator are considered reasonable at the present time, these assumptions may be reviewed in future.

STEP 1: LEARN

Life Insurance

Total & Permanent Disability

Trauma Cover

Income Protection

Stepped Vs Level

Super vs Non-Super

How To Pay Premiums

STEP 2: BOOK AN APPOINTMENT

STEP 3: Understand your needs

Needs Analysis

Step 1 of 8 - Before you begin

General Questions

Income

Business

Relationships

Money owing?

Children

Costs of Education (for your children)

Further Questions

A Life Insurance question:

A TPD question:

A Trauma question:

Business Expenses Cover questions

NEEDS ANALYSIS SUMMARY - VIEW ONLY

Life Insurance

TPD Insurance

Trauma Insurance

Income Protection Insurance

Business Insurance Cover

SUMMARY TOTAL - How much you should consider having in place.

Next Step: Request a Quote or Submit Needs Analysis

Personal Questions required to generate a quote

New Insurances

Reminder : How much insurance you should have in place based on your current Needs Analysis.

You now need to decide how much personal Insurance you wish to receive a quote for:

REQUEST A QUOTE - PERSONAL INSURANCES

Life Cover

TPD Cover

Trauma Cover

Child Trauma Cover

Income Protection Cover

Business Expense Cover

Upload Documents - Now or Later

Next Steps

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