Estimate the key financial tradeoff behind disability insurance using your own assumptions. This calculator shows the main result, supporting amounts, and a clear interpretation so you can compare coverage or policy choices. Results are planning estimates only; policy definitions, exclusions, underwriting, taxes, benefit offsets, and actual claims can change the outcome.
The main result summarizes the selected disability insurance scenario. Supporting results expose the amounts behind it so you can see which assumption drives the answer.
Insurance contracts vary. This educational estimate is not insurance, legal, tax, medical, or financial advice and does not replace a policy illustration or professional review.
With $8,000 income, $5,000 essential expenses, $800 debt, and a $300 premium, cash flow after premium is $1,900 and the premium-to-income ratio is 3.75%.
Use values from the policy illustration or quote and a probability or cost assumption you can document. Test more than one scenario.
No. It is a mathematical scenario estimate, not a prediction, guarantee, or eligibility decision.
Use after-tax or before-tax values consistently. Ask a qualified adviser how benefits and premiums are treated in your situation.
Use the same time period and assumptions, then separately compare exclusions, definitions, riders, financial strength, and benefit limits.
Yes. Enter them where provided and review the contract because their treatment varies by policy.
| Output | Meaning |
|---|---|
| Premium-to-income ratio | Calculated from the assumptions entered above |
| Remaining cash flow | Calculated from the assumptions entered above |
| Premium share of surplus | Calculated from the assumptions entered above |