/** * * @param {type} $ * @returns {undefined} */ (function ($) { var __translations = gbst.namespace("gbst.loan.app.insuranceGapCalculator.translations"); __translations.en = { "inr_configuration": { "client": "sequoia", "calculator": "insuranceAdequacyCalculator", "translation": "en" }, "theme": { "type": "flat", "colors": { "primaryColor": "#6FB545", "secondaryColor": "#404042", "titleColor": "#FFFFFF", "subtitleColor": "#FFFFFF", "subtitleBgColor": "#d1d3d4", "textColor": "", "disclaimerTextColor": "#a2a2a2" } }, "number": { "currency": { "format": { "unit": "$", "format": "%u%n", "htmlFormat": "%u%n" } }, "format": { "delimiter": ",", "separator": "." } }, "labels": { "loanCalculator": { "calculatorTitle": "Insurance Adequacy Calculator", "disclaimer": "Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for insurance cover. The specific details of your insurance cover will be provided to you in your contract. It is advised that you consult your financial adviser before taking out insurance cover. For additional information please see the information tab." }, "controls": { "personalDetails": "Personal Details", "currentDebt": "Current Debt", "otherClientExpenses": "Other Expenses", "assets": "Assets", "existingCover": "Existing Cover", "insuranceDetails": "Estimated insurance premium", "age": "Age", "grossIncome": "Gross Income", "gender": "Gender", "smoker": "Smoker", "homeMortgage": "Home mortgage", "investmentPropertyMortgage": "Investment property mortgage", "personalLoans": "Personal loans", "creditCardDebt": "Credit card debt", "children": "Number of children", "funeralCost": "Funeral costs", "debtsIllness": "Debts incurred upon illness", "otherExpenses": "Other expenses you would like to cover", "superannuationBalance": "Superannuation balance ", "investments": "Investments", "savings": "Savings", "emergencyFunds": "Emergency funds", "existingDeathCover": "Existing Death cover", "existingTPDCover": "Existing TPD cover", "existingIPCover": "Existing IP or SC cover", "exitingTraumaCover": "Existing trauma cover", "deathSumInsured": "Death Sum insured", "tpdSumInsured": "TPD Sum insured", "ipSumInsured": "IP sum insured", "termFormat": { "one": "{{count}} year", "other": "{{count}} years" }, "chartTableRadioButton": "" }, "results": { "resultsHeader": "Your results", "estimatedDeathCover": "Estimated death cover", "estimatedTPDCover": "Estimated TPD cover", "estimatedIPCover": "Estimated IP Cover", "estimatedTraumaCover": "Estimated Trauma Cover", "existingCover": "Existing cover", "estimatedCover": "Estimated cover", "difference": "Difference", "deathCover": "Death Cover", "tpdCover": "TPD Cover", "ipCover": "IP Cover", "traumaCover": "Trauma Cover" }, "yourPersonalDetailsView": { "controlsTitle": "Find Cover", "errorMessages": { "empty": "cannot be empty" } }, "chartView": { "principalRemainingTitle": "Required", "interestRemaining": "Now", "xAxisTitle": "", "yAxisTitle": "Amount cover ({{unit}})", "requiredCoverColor": "#6FB545", "actualCoverColor": "#d1d3d4" }, "chartTooltip": { "title": "Year {{year}}", "loanItemHeader": "Loan item", "remainingValueHeader": "Remaining value" }, "infoBox": { "title": "Calculator Information", "content": "

This calculator is designed to provide you with an estimate of your current death, total and permanent disablement, income protection and trauma insurance needs and is not to be relied upon for the purpose of choosing any particular product for purchase. It is not a recommendation or opinion about insurance and is not intended to replace personal financial advice. Before making a purchase decision, consider obtaining advice from a financial services adviser.


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The calculator provides an estimated coverage amount in relation to your death, total and permanent disability, income protection and trauma, determined using the following formula:

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This calculator is for general guidance only and does not take into account your personal objectives, financial situation or taxation needs.


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There are many factors in addition to the above that you may wish to consider in determining the level of cover you require for insurances. The calculator includes some of the common liabilities and assets you may want to take into account, which we believe are key factors that people consider when working out how much insurance cover they need. Not all factors or ones that may be relevant to you are covered. The calculator does not take into account current or future interest rates, inflation, your ongoing ability to earn income, taxation obligations and structuring, or your future expenses such as cost of living increases. It does not take into account any specific insurance product limitations such as exclusions for particular conditions, or cover limits.


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This calculator is not intended to be relied on for the purposes of making a decision in relation to any specific insurance product and before making any decision on any such product you should read the relevant Product Disclosure Statement and consider obtaining advice from a licensed financial services adviser.

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