Estimate critical illness insurance premiums and how much lump-sum coverage you need for cancer, stroke, and heart attack.
Lump-sum Coverage Needed
$225,000
Income × years to replace
Estimated Annual Premium
$5,625
Roughly 2.5% of coverage
Affordable Monthly Budget
$150
Amount you set aside per month
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How to read these numbers
Critical illness coverage replaces income for the years you would likely be away from work during treatment and recovery. The premium estimate assumes a flat 2.5% rate, but your actual cost depends on age, health, and the conditions covered. Compare the estimated premium against your affordable monthly budget to see whether the target coverage level is realistic.
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Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.
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