Guides & analysis

Articles

Long-form explainers and cost breakdowns, refreshed as rules change.

Benefit Scenario

Benefit Scenario: $150,000 salary, no cover

$150,000 salary, no cover: $150,000 income, none, $7,500 monthly gap, $260–$400/month to close. Full calculation and buying notes.

Gross income $150,000Group cover NoneMonthly gap $7,500

Benefit Scenario

Benefit Scenario: $250,000 specialist, no cover

$250,000 specialist, no cover: $250,000 income, none, $12,500 monthly gap, $450–$700/month to close. Full calculation and buying notes.

Gross income $250,000Group cover NoneMonthly gap $12,500

Benefit Scenario

Benefit Scenario: $200,000 partner, buy-out funded

$200,000 partner, buy-out funded: $200,000 income, $10,000/mo taxable, $6,000 monthly gap, $320–$520/month to close. Full calculation and buying notes.

Gross income $200,000Group cover $10,000/mo taxableMonthly gap $6,000