27/08/2026
How much is enough?
It’s one of the most important questions we can ask when planning for the people we love.
There is no perfect formula because every family is different. But these simple rules of thumb can give us a meaningful starting point.
10× your annual income for LIFE COVERAGE.
Why 10×?
The idea is to leave your family with approximately 10 years of income replacement if you are no longer there to provide for them.
Ten years to grieve and adjust without immediately worrying about money. Ten years to keep food on the table, pay the bills, settle obligations, and keep the children in school. Ten years of financial breathing room while the family finds its way forward.
Life insurance can never replace a person. But it can help replace the income that person would have continued providing.
5× your annual income for CRITICAL ILLNESS PROTECTION.
Because surviving a serious illness can create a different kind of financial battle.
A critical illness may mean months or even years of treatment, recovery, and reduced ability to work. And while income may slow down or stop, the bills usually don’t.
Medical expenses are only part of the story. There are still groceries, utilities, loan payments, children’s needs, rehabilitation, medications, and everyday expenses.
That is why critical illness protection isn’t only about paying hospital bills. It is also about protecting your income while you focus on getting well.
The goal is simple: when you’re fighting for your health, your family shouldn’t have to fight for their finances at the same time.
20% of your income for RETIREMENT.
Because one day, the salary will eventually stop.
We spend decades working and taking care of everyone around us. Setting aside part of what we earn today means taking care of the person we will become years from now.
You don’t want to work for 30 or 40 years only to reach retirement and realize that your children have become your retirement plan.
Build something while you are still earning, so someday, working becomes a choice rather than a necessity.
5% of your income for your CHILDREN’S EDUCATION.
Because children grow up faster than we think.
What feels like a distant
