Calculators
Lump-Sum Expense Scenario
Explore how a selected number of months of entered expenses and optional one-time costs add up. The result is a scenario total, not an amount of insurance to purchase or a claim estimate.
Expense-only illustration
Lump-sum scenario
Enter or adjust the example values, then choose Calculate illustration.
Illustrated expense total
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Results have not been calculated yet.
- Monthly expenses entered
- —
- Months explored
- —
- Monthly-expense subtotal
- —
- One-time costs entered
- —
White represents the monthly-expense subtotal; grey represents optional one-time costs.
Nearby month scenarios
Monthly expenses and one-time costs stay unchanged while the month count moves by three where the 1-to-120-month range permits.
| Months | Expense subtotal | Illustrated total |
|---|---|---|
| — | — | — |
| — | — | — |
| — | — | — |
Scenario boundary
This total is expense arithmetic, not an insurance amount, recommendation, quote, application, claim estimate, or suitability assessment.
How this illustration works
- The monthly-expense subtotal is the entered monthly amount multiplied by the entered whole number of months.
- Optional one-time costs are added once to that subtotal.
- The nearby scenarios move the month count three months lower or higher, stopping at the stated 1-to-120-month limits.
- Monthly expenses are held constant. Income, savings, existing benefits, taxes, inflation, timing, investment growth, policy terms, and eligibility are not modelled.
- The output is expense arithmetic only. It does not calculate or recommend a critical illness benefit or any other insurance amount.
- All calculations happen in the browser. Inputs are not stored, transmitted, or logged.
Related plain-language guide
Critical illness insurance basics
Learn how a critical illness lump sum commonly works and why covered-condition definitions and policy terms matter.